Mitigating Risks
As a dedicated electrician, you keep the power flowing in homes and businesses. But electrical work carries inherent risks. Standard liability insurance may not provide sufficient protection for the specific challenges electricians face.
Protect yourself, your crew, and your clients with comprehensive insurance designed for the unique needs of the electrical industry.
General Liability
This foundational coverage protects you from property damage caused by accidental electrical fires or malfunctions during repairs or installations, as well as bodily injury claims if someone gets hurt on the job site (e.g., electrical shock).
Workers' Compensation
Ensure financial protection for your employees in case of work-related injuries, a requirement in most states. This could include falls from ladders, exposure to electrical hazards, or muscle strain from lifting heavy equipment.
Commercial Auto
Get comprehensive coverage for your work vehicles, including electrician vans and trucks, used for transporting tools, equipment, and reaching customer locations.
Errors & Omissions (E&O)E&O Insurance
While not always required, consider adding E&O coverage for situations where a customer claims your work caused electrical malfunctions or property damage.
Tailored to You
At CIA, we understand electricians specialize in various areas. We offer a variety of insurance solutions to cater to your specific service offerings.
Residential
Protect your business focused on wiring repairs, fixture installations, and electrical upgrades in homes.
Commercial
Secure comprehensive coverage for larger-scale projects in office buildings, factories, or other commercial properties. This may involve additional considerations for complex electrical systems.
Low Voltage
Get tailored policies that address the unique risks associated with low-voltage systems like installing security alarms, data cabling, or smart home technology.
Why Partner With Us?
Choosing the right insurance partner is essential for your electrical business.
Industry-Specific Expertise
Our team has a deep understanding of the legal and financial challenges faced by electricians. We can answer your questions about specific coverages and risk mitigation strategies relevant to your electrical services.
Risk Management
We offer valuable resources and guidance on workplace safety protocols specific to electrical work, including preventing electrical hazards and ensuring adherence to building codes.
Customized Coverage
We work closely with you to understand your service areas, crew size, and budget to create a personalized insurance plan that safeguards your business.
Dedicated Client Support
Our agents are always available to answer your questions, address concerns, and guide you through the claims process if necessary.
