What Coverages Are Included in Electrician Policies?
Since electricians can frequently customize the coverages in their policies, there isn’t necessarily a single set of coverages that comes with ever policies. Nonetheless, there are several common coverages that many policies make available:
There are many other coverages that an electrical business, depending on its situation, might want to consider. For help selecting an appropriate combination of coverages, electricians and business owners should talk with an insurance agent who specializes in these types of policies.
Do Electrician Policies Come with Workers Compensation?
While some electricians and electrical businesses need or want workers compensation coverage, this normally isn’t included in electrician policies. Instead, it’s usually purchased separately when needed. An insurance agent who assists with electrician policies likely can also help with workers compensation.
What Sorts of Claims Do Electrician Policies Cover?
As with most insurance policies, the exact claims that electrician policies cover are determined by a specific policy’s terms and conditions. Depending on those details, a policy might cover claims related to incidents such as the following:
- Electrical tools are stolen from a work site
- An employee causes an accident while driving between work sites
- A bystander is electrocuted while work is being performed
- A fire is caused by a mistake made while working
A knowledgeable insurance agent can give businesses a more precise explanation of what incidents a particular policy would likely cover.