Florida Electrician Insurance quote and information.

1. How do insurance companies define Electrician?
2. What risk exposure do Electrical Contractors have?
3. What is the price of Electrician insurance?
4. Is insurance for Electricians required in Florida?
5. What coverages are common to Electrician businesses?

Ask an agent a question not listed?

How do insurance companies define Electrician?

Electrical contractors are placing "lightning in a wire" in buildings every day. This vital force can be deadly if an error is made in handling or installation. Electrical wires are both inside and outside buildings. The wiring may comprise both overhead power lines and underground cables. The electrical contractor also installs the electrical wiring to power our machines. While the exposures seem commonplace, we can never forget that one small error can prove deadly for both the worker and customers.

Want a Free Quote or have a Quick Question?

What risk exposure do Electrical Contractors have?

• Property exposures is light unless there is considerable storage of electrical wire and cable. The wire is not combustible but the insulation sheathing produces a black oily smoke when burnt and can be difficult to extinguish once started. Proper storage with good aisle space is important for preventing fires. Property exposures at the electrical contractor's own location usually consist of an office operation, material, equipment, and vehicle storage.
• Inland marine exposures center on three areas: owned or rented tools and equipment, building materials (builders’ risk or installation exposure), and materials being transported to and from the job site. Equipment consists mainly of hand tools and ladders unless there is line construction or machinery installation. Line construction may involve the use of cherry pickers and similar equipment for overhead line, or trenchers and other digging equipment for laying underground cable. Other than theft, transportation of the material poses minimal hazards to the material itself. Copper cable and wiring have high resale value and can be target theft items. Other hazards to tools and equipment and to materials awaiting installation include vandalism and fire.
• Premises liability exposures is mainly a job-site exposure. For all types of electrical work, there are not only common physical hazards, but also power-related hazards unique to electricians. During construction, other contractors typically depend on electricity for lighting and power to perform their work. In existing structures, the contractor must take care to control the electrical flow as new lines are installed alongside existing ones. Power fluctuations may damage sensitive computer equipment. Exterior electrical contractors must notify other utilities to prevent down time to their customers and must prevent surges to their own customers.
       Additional job-site exposures include the potential of injury to the public and to employees or property of other contractors. Such injury or damage may arise from the use of power tools and equipment, from work at heights, or from trenching and similar operations. Tools, power cords, building materials and scrap all pose trip hazards even when not in use.
       The common physical hazards at the contractor’s yard include outdoor storage of materials that may create vandalism and attractive nuisance hazards.
       Environmental concerns may exist if the electrical contractor is responsible for the disposal of old capacitors, and other heavy-duty electrical equipment, which may contain PCB’s. Proper written procedures and documentation of both the transportation and disposal process is important.
• Completed operations can be a concern, especially in the area of faulty workmanship. Both power failures and power surges resulting from the contractor’s negligence may pose severe, potentially catastrophic bodily injury or property damage hazards.
       Significant completed operations exposures may include work for medical facilities, large manufacturers, and alarm system installation. For all these exposures, it is important to review any warranties or guarantees the contractor offers. Maintenance agreements, in which the contractor promises to keep a system in operation, should also be reviewed.
• Automobile exposures is moderate if heavy equipment and lifting devices are not transported for cable laying. If so, transport of both the equipment and cable poses additional auto exposures. Large cables may be awkward and require special handling and tie-down procedures.
• Workers compensation hazards vary based on the size and nature of the job. Work with hand tools is common to all types of electrical work. Lifting injuries such as hernias, strains and sprains plus back injuries may also occur. There is also potential injury from the carelessness of employees of other contractors. Minor injuries may be frequent even when the severity exposure is controlled. Failure to enforce basic safety procedures, such as power shutoff prior to commencing certain operations, may indicate a morale hazard. Again, employee selection, training and supervision affect the loss potential.
       Work at heights carries with it potential for falls and injuries from falling objects. Laying underground cable may be near power and gas lines; trench collapse is a potential catastrophic hazard.

Want a Free Quote or have a Quick Question?

What is the price of Electrician insurance?

We are sorry, we haven't posted an answer to this question yet. Ask us now and we will respond and post the answer in one business day.

Ask An Agent Now

Is insurance for Electricians required in Florida?

We are sorry, we haven't posted an answer to this question yet. Ask us now and we will respond and post the answer in one business day.

Ask An Agent Now

What other insurance should a Electricians consider?

Business Personal Property, Contractors’ Equipment, Goods in Transit, Installation Floater, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Workers Compensation