Electricians face multiple risks while performing their job, thus putting their lives on the line regularly. For example, a faulty electrical circuit can cause severe injury and possible death. Luckily, there are multiple policies that you can purchase to protect you on the job. This guide will help you find the right electrician insurance policy so that you can perform your tasks with greater safety.
Common Risks Faced by the Electricians
Electricians perform tasks in different outdoor conditions. In most cases, they are susceptible to injuries from high-risk falls, electrical burns, and toxic materials. If you suffer an electric shock, you may have difficulty breathing or even go into a cardiac arrest.
Why General Liability Coverage Is an Asset
Almost every business needs some type of general liability coverage. This policy protects you if you are involved in an accident while on the job. Many homeowners and businesses will require that you have general liability insurance before they hire you. This is because if you are not insured and something happens while you are working, the company/ homeowner may be held responsible for any bodily injuries. Normally, general liability coverage also covers incidents such as accidental slips and falls. The policy’s terms and conditions may vary based on the industry where you work. General liability insurance also covers possible issues such as defamation of character and libel, leading to expensive lawsuits.
Consider Errors and Omissions Coverage
Errors and omissions insurance is a form of liability coverage that provides protection if someone accidentally offers harmful advice to a client. Normally, lawyers and professional advisors have errors and omissions coverage, but it can also benefit you as an electrician. For example, if there are serious mistakes, errors and omissions insurance can cover your legal fees if the affected party pursues legal action. Performing electrical work is a serious issue, which is why you should research as much as possible before opting for coverage.
Commercial Auto Insurance
If you use a commercial vehicle to drive to work, you should consider buying commercial auto insurance. This policy covers you if your vehicle suffers damage in an accident or if you cause bodily injury or property damage to a third party.
Some Other Things to Consider
As an electrician, you face serious risks every day. Having the right insurance coverage can protect you if something goes wrong. If you are officially hired by a company, make sure to inquire about workers’ compensation so that you are covered in case an injury happens on the job.
Consult with Artisan Insurance Solutions
General liability insurance can give you peace of mind while you work. Accidents can happen at any time, and mistakes may occur at certain points. However, it is important to have the right protection in place so that you won’t have to pay for any such issues out of your pocket. Covering legal fees or paying for your medical care without help can leave you in a state of financial ruin. Our experts here at Artisan Insurance Solutions will help you find the coverage you need. Contact us today to learn more!