Electrician Insurance in Colorado
We provide electrician insurance solutions to businesses in Colorado and beyond.
Electrician Insurance at The DeLuca Agency and Denver Insurance Brokerage Inc
What is electrician insurance?
Electrical work comes with some obvious risks, not to mention the routine risks like theft, fire, and vehicle accidents that many businesses face. To help Colorado electricians protect their businesses, there’s electrician insurance.
Electrician insurance provides tailored coverage for electricians and electrical contractors. Policies usually come with multiple property and liability coverages, protecting against a range of risks.
Who in Colorado needs to have small electrical business insurance?
Most electricians in Colorado should have small electrical business insurance. This generally includes self-employed electricians, electrical contractors, and small businesses doing electrical work.
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What insurance coverages do small electrical business policies come with?
Small electrical businesses may offer a variety of coverages. Options commonly include:
- General Liability Coverage: Might protect against third-party injuries or property damage resulting from basic (non-vehicle) accidents.
- Errors and Omissions Coverage: Might protect against injuries or damage resulting from mistakes that are made when advising customers (E&O).
- Commercial Umbrella Coverage: Might protect with additional liability coverage, in case a costly lawsuit exceeds another liability protection’s limit.
- Commercial Property Coverage: Might protect a small electrical business’s building, equipment and tools, and materials, with coverage normally in effect when these are at the business’s location.
- Inland Marine Coverage: Might protect electrical equipment, tools, and supplies when they’re being taken to and from job sites.
- Commercial Auto Coverage: Might protect work trucks or vans that a small electrical business owns.
- Business Income Coverage: Might protect against income losses that are caused by covered disasters.
Does small electrical business insurance cover electrical fires and faults?
Electrical small business policies often can be structured to cover electrical fires and faults that are the result of mistakes. Such coverage may be part of a policy’s errors and omissions coverage.
Electricians should confirm that coverage for these risks is included in a policy, however. An insurance agent specializing in electrician policies can confirm whether a particular policy’s E&O coverage would include electrical fires and faults.
Are small electrical businesses required to carry workers compensation?
Colorado state law generally requires that businesses with any employees carry workers compensation coverage. The coverage normally protects against workplace injuries, possibly paying medical costs and some lost wages if an employee is hurt.
Electrical businesses that have employees, therefore, should be prepared to get workers compensation coverage. It might be obtained as part of a small electrical business policy, or separately as a distinct insurance policy. Electricians who are self-employed and work alone might not need workers comp.
Do electricians need their own insurance policy when subcontracting?
Electricians who are hired as subcontractors should review their situation with an agent who understands electrician policies well. Sometimes electricians could be covered by a general contractor’s policy, but other times they might not be. A knowledgeable agent can review the situation, and then advise as to whether an electrician policy should be purchased.
Can small electrical business policies cover residential and commercial electrical work?
Yes, most of these insurance policies can cover both residential and electrical work. An experienced agent can make sure that a policy covers the various types of electrical work that a business does.
How much do electricians pay for insurance?
The cost of small electrical business policies varies, as premiums are based on many different factors. An electrician’s location, services offered, equipment used, vehicles owned, and claims history are just some of the details that can impact cost.
An independent insurance agent can help electricians compare custom quotes, to find out how much their insurance might be.
Where can electricians get electrician insurance?
If you’re an electrician in Colorado and need help with insurance, contact the independent insurance agents at The DeLuca Agency. Our agents have worked with many professionals in the trade, and we have the expertise necessary to help you find an electrician insurance policy that’ll protect your business well.
Get in touch with our team!
For questions or concerns, please contact our independent insurance agents.
CO Office
6021 S Syracuse Way Ste 207 Greenwood Village, CO 80111
Phone: 720.484.3732
MD Office
500 Redland CT Ste 106 Owings Mills, MD 21117
Phone: 410.521.6500
UT Office
13894 Bangerter Pkwy Ste 200 Draper, UT 84020
Phone: 810.639.0078
Email: steve@delucaagency.com