Comprehensive Coverage for Your Trade
Comprehensive insurance protection for electrical contractors in Bergen County. From residential service calls to commercial installations, we understand the unique risks electricians face.
General Liability with electrical classification
Workers Compensation for all employees
Commercial Auto for service vehicles
Tools & Equipment coverage
License bonds where required
Completed operations coverage essential
Faulty wiring or connections causing fire damage
Third-party electrocution or shock claims
Damage to customer equipment from electrical work
Work not meeting electrical code requirements
Expensive meters and tools stolen from vehicles
Damage to buried cables or pipes during work
Protection for electrical fires and shock injuries
Coverage for meters, testers, and hand tools
Service vehicle and mobile equipment coverage
Errors in design or code compliance
Protection for smart home system hacks
Coverage for employee electrical injuries
Electrician insurance is specifically rated for electrical work risks like fires, shocks, and power surges. Your classification code reflects these higher hazards, but specialized carriers understand your business and offer competitive rates with proper coverage.
If you design electrical systems, provide engineering services, or offer consultations, professional liability is important. It covers errors in your professional advice or design work that general liability excludes.
Safety programs, continuing education, proper licensing, and membership in professional associations can reduce premiums. Using circuit testers, lockout/tagout procedures, and maintaining a clean claims history also help lower costs.
Solar work often requires additional coverage due to roof work and new technology risks. We can add solar installation endorsements to your policy or arrange specialized coverage for this growing market segment.
Protect your business with comprehensive insurance coverage