Electrical Contractors - What Types Of Insurance Do They Need?

Do you know the truth about insurance for electrical contractors? At Harry Levine Insurance we are more than happy to go over the types of insurance that electrical contractors should carry for their business to ensure that they are protected in the event of a catastrophe.
We have worked with electrical contractors for dozens of years and can help you design an incredible insurance program that fits your needs as a business.
In the electrical contractor world, there are often unreasonable requests when it comes to coverage requests from general contractors or project managers. It’s our job to make sure that your portfolio has what you need to be able to bid on, and get the jobs.
In general, an electrical contracting firm needs general liability insurance, commercial auto insurance, workers’ compensation insurance, and inland marine floater insurance. It’s also critical to include Employment Practices Liability and Cyber Liability.
We’d like to explain the latter two because most contractors don’t know that they need it.
For cyber liability, if you use any type of digital diagnostic equipment or any cloud based solution to diagnose, program, or otherwise manipulate systems for clients, you need cyber liability. Too often we have seen companies in trouble for data breaches.
Employment Practices Liability is also critically important. It has nothing to do with what you’ve done wrong, but if an allegation comes in, you want to be protected. All you need is one disgruntled employee and you’ve got a pricey lawsuit on your hands. If you’re properly protected, your insurance company will come to your defense within the limits of your policy.
So what should you do? The answer is simple. Call your independent insurance agent. Our job is to guide you into the best policies for your individual and business needs. We will look at your unique situation and advise from there.
As always, we are happy to give a free quote and answer any questions you may have.
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[@MichelleMosher]

Excellent Job!