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BUSINESS INSURANCE FAQS
As an electrician, you provide specialized services to your customers, so you face unique risks. At Hiscox, we understand these risks and customize electrician insurance for your electrical contracting business to fit your specific needs.
General liability insurance also known as Commercial General Liability (CGL) protects your construction business from another person or business's claims of bodily injury, associated medical costs and damage to property.
Bodily injury: While re-wiring an office space, you need to access the wiring to the adjacent space which is occupied. Despite your warnings, someone in the occupied office trips and falls over your equipment . Your electrician insurance will protect your company by covering the costs associated with the person’s injuries.
Property damage: While installing new electrical wiring in an existing home, your apprentice damages an expensive piece of the customer’s furniture. Electrician insurance will cover the subsequent claim up to your General Liability policy's limits of liability.
Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy's limits of liability, and pay for an attorney to defend you if necessary.
Learn more about general liability insurance.
Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Specific coverage terms can vary by class of business. Coverages are subject to underwriting and may not be available in all states.
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Underwritten by Hiscox Insurance Company Inc.
104 South Michigan Avenue,
Suite 600, Chicago, IL 60603.