As an electrical contractor, you’re in the business of powering up homes and businesses, keeping everything running smoothly and safely. But with all the heavy-duty work you do—installing wiring, handling high-voltage systems, and working with specialized equipment—there’s a lot of risk involved. That’s where BME Insurance comes in. We’ve got you covered with the proper protection so you can focus on the job at hand, knowing that your business is shielded from the unexpected.
Electrical work comes with its own set of unique risks. From electrical fires to accidental damage and workplace injuries, things can go wrong when you least expect them. Electrical contractor insurance protects you from accidents and mishaps that could otherwise cost you big. With the right coverage, you can keep your business running, even when the unexpected happens.
Electrical contractors face various risks—from property damage to accidental bodily injury on the job. General liability coverage protects you from third-party claims related to these risks. Whether it's a client's property getting damaged or a visitor injuring themselves on-site, this coverage ensures your business won't take a financial hit.
Your crew is the backbone of your electrical business—without them, you wouldn't be able to get the job done. But let's be honest: electrical work can be risky. From medical expenses to rehabilitation costs and lost wages, workers' compensation insurance helps employees recover without the added stress. Plus, it ensures you stay compliant with state laws, avoiding costly fines or legal issues.
Your work vehicles are essential to getting the job done. Whether hauling tools and materials or heading to a job site, commercial auto insurance covers your vehicles in case of accidents, theft, or damage. It protects you from unexpected expenses and keeps your business moving, no matter what happens on the road.
Electrical contractors rely heavily on their tools and equipment, from power drills and circuit testers to ladders and wire spools. Equipment and tools coverage protects your gear from loss, theft, or damage. If anything happens to your tools, this coverage helps you repair or replace them, keeping your business on track.
Mistakes can happen in any trade, even for the most skilled electricians. Contractor liability insurance coverage protects you from legal claims of mistakes, negligence, or damage caused by your work. Whether it's a faulty installation, missed code compliance, or a client dispute, this coverage safeguards your reputation and protects you from expensive legal fees.
At BME Commercial Insurance, we understand the specific needs of electrical contractors. From general electrician liability insurance to workers’ compensation and tools coverage, we provide tailored electrician insurance solutions that keep your business safe and secure. Whether you’re a solo electrician or managing an entire electrical services crew, we have the protection you need to take on any job confidently. Reach out now to learn more!