If you take a look at any list of the most dangerous jobs in the country, you’re going to find “electrician” somewhere on it. There are hundreds of electricians killed while at work each year and thousands of others injured while on the job.

There are, of course, plenty of electricians who suffer electric shocks as they work with electricity. But there are also a lot of electricians who are involved in slip-and-fall accidents.

For these reasons, obtaining insurance for electricians will be of the utmost importance if you work in this particular field. The last thing you want to do is go to work without electrician insurance. It’ll leave you unprotected while you’re surrounded by potential dangers.

So, which types of insurance should you consider investing in when you’re in the electrician business? We’re going to break down some of your best insurance options below. Make sure you secure the right business insurance policies as soon as you can to stay safe.

General Liability Insurance

As an electrician, you’re likely going to find yourself working in other people’s homes and businesses for the most part. With this in mind, you’ll need a business insurance policy that can protect you if and when accidents take place in these homes and businesses.

A general liability insurance policy will be one of the most important kinds of insurance for electricians. It’ll provide you with all the protection you’ll need for your electrician business when you’re in other people’s homes and businesses.

There is a chance that a home or business owner could trip over electrical equipment that you’ve left out while working in a home or business and injure themselves. General liability insurance will help pay for the medical bills stemming from this type of accident.

General liability insurance can also help pay for any repairs that might need to be made to a home or business after you’re finished working in it. If, for example, you do damage to a wall or ceiling in a home or business, the repair costs will typically be covered by general liability insurance.

Of all the different types of insurance on this list, general liability insurance might just be the most important one of the bunch. It’s going to set you up with the coverage you need in so many situations.

Business Property Insurance

To perform electrical work in a home or business, you’ll need to bring along your own tools and other electrical equipment. When you do this, there will be a chance that they could get lost, stolen, and possibly even damaged through no fault of your own.

It’s going to be very difficult to run an electrician business without the right tools and other equipment. So it might be worth signing up for a business property insurance policy. It’ll cover the costs associated with fixing or replacing your business property.

You should be able to rely on this kind of business insurance when you’re out in the field. It should also cover anything that you might keep back at your office, even if that office is located in your home.

Professional Liability Insurance

As long as you know what you’re doing while performing electrical work, you shouldn’t have to worry too much about making any crucial mistakes. But if you work as an electrician for a long enough period of time, the odds of you making mistakes that could compromise the safety of a home or business will go up.

It’s why you should look into investing in a professional liability insurance policy. Also known as an errors and omissions insurance policy, it’ll provide you with coverage if a customer ever files a legal claim against you stemming from a mistake you made while working in their home or business.

As an added bonus, professional liability insurance can also turn into a great marketing tool for your electrician business. Home and business owners will have so much more faith and confidence in you when they know you have it. You’ll essentially be guaranteeing your work with this kind of electrician insurance.

Commercial Auto Insurance

Since you probably spend your fair share of time out on the road while working as an electrician, your electrician business will need to purchase at least one vehicle to get around. This vehicle will definitely need to be insured. An insurance policy will protect it and keep your business in accordance with the auto insurance laws that are on the books.

Getting into an accident while in your work truck will already be catastrophic enough. The last thing you need is for this truck to be uninsured.

It may put you in a position where you won’t have a work truck to drive around in for a little while. It could also limit your ability to show up for jobs at homes and businesses.

Workers’ Compensation Insurance

If you own an electrician business, New Jersey laws say that you must have workers’ compensation insurance. It doesn’t matter if you have one employee or 100 of them. Workers’ comp will be a must.

This type of insurance will help cover the costs associated with one of your employees getting hurt on the job. It’ll take care of their medical bills as well as lost wages and more. You don’t ever want to get stuck trying to run an electrician business without this kind of insurance for electricians.

Contact Us to Invest in the Best Insurance for Electricians

If you’re an electrician who isn’t properly insured, you’re going to be tempting fate every time you walk through the front door of a home or business to do electrical work. All it’ll take is one accident to knock your business off track and potentially even put your company out of business for good.

Central Jersey Insurance Associates can set you up with the best insurance for electricians. We offer a wide range of business insurance policies that’ll provide you and your electrician business with more than enough protection.

Reach out to us today to get more information on obtaining insurance for electricians. Our insurance agency can also set people up with homeowners insurance.