This policy protects you if your business must temporarily cease operations and will cover ongoing operating costs and employee pay.

Protect your business if you physically harm another person or cause damage to someone else’s property. Many customers require electrical contractors to have commercial liability insurance to be purchased.

Property Damage: Accidentally dropping your tool belt and damaging your customer’s custom flooring

Bodily Injury: Customer Trips Over Left Power Cords and Sues His Company for Negligence

Products and Operations Completed: Due to faulty electrical work, one month after completing a job, a fire starts at the customer site. The client sues your company for damages caused by fire.

Provides protection for property that your business owns or is responsible for.

Commercial property insurance provides protection for the property stored in your office owned by your business. If your business owns your office, it can also provide protection for the building itself.

You have computers and inventory in your office. A fire breaks out that destroys the property stored in your office.

Protect your business if you or one of your employees have caused injury or harm to another person while driving a commercial vehicle or while driving for business purposes. It also protects your company vehicles against damage or theft.

Your work truck crashes into another vehicle on the way to electrical work. The other driver is injured and sues your company.

Your company truck is stolen from the parking lot in front of your company.

This policy protects the equipment and cargo that you transport from one job site to another. For example, if you use a computer in the field, your inland marine insurance would generally provide protection. These policies vary by insurer, so it’s a good idea to discuss the details with your agent.

This coverage can provide protection if the products you sell cause damage or injury. This includes trimming tools, sprayers, chemicals, and fertilizers.

If you provide landscaping and tree care advice, professional liability or “errors and omissions” coverage can provide protection against liability claims for negligence, poor advice or recommended services that cause the loss of a customer.

It provides funds for medical expenses and lost wages if one of its employees is injured or dies while working. In almost all states, workers’ compensation insurance is required for businesses that have employees.

One of your employees receives an electric shock and injures his hands. Workers’ compensation insurance provides coverage for an employee’s medical bills, rehabilitation expenses, and a portion of his lost income while he is unable to work.