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Electricians and Electrical Contractors Insurance in Chicago.
Call today for a quick & affordable electrician and electrical contractors insurance quote: 800-641-7488
Electricians have one of the most dangerous professions. A contractor working with electricity must take precautions and be prepared to manage the hazards in the electrical contractor segment. The risks are well known, but the risks of not having an adequate electrical contractor insurance policy may be confusing to some. Electrician insurance protects contractors in this field from many related risks involving injury to your customers and even employees. Electricians who work on a residential home or commercial building or property will be required by the property owner to carry certain insurance coverages. More commonly, these include electricians general liability and workers compensation. Most townships and municipal governments to county and state governments may also require an electrician or electrical contractor or business to obtain a proper insurance policy before you start on a job.
In Chicago specifically, the City requires a separate Electrical Contractor License from the Department of Buildings (Municipal Code of Chicago, Chapter 4-290), on top of any state business requirements. There are two license types — General and Low Voltage — each valid for one year and requiring renewal. A licensed electrical contractor must employ a licensed Supervising Electrician, and the license is automatically inactivated if that electrician’s license lapses. The license also carries its own insurance and bond requirements, so it’s worth confirming your policy and bond are current and match what the license requires before a job starts — not just what a property owner or general contractor separately asks for.
If you’re hired as a subcontractor by a general contractor, expect them to require their own minimum liability limits as a condition of the job — it’s worth confirming those limits before binding a policy, so you’re not underinsured for a specific contract.
Electrical Contractors Insurance Quotes in Chicago, IL.
The below is a list of common insurance coverage to look as you compare electrical contractor insurance.
- Electrical Contractors Commercial General Liability
- Electrical Contractors Property Insurance
- Electrical Contractors Bonds
- Electrical Contractors Workers Compensation
- Electrical Contractors Auto Insurance
- Electrical Contractors Inland Marine
- Electrical Contractors Umbrella Insurance
How to Find Affordable Electrical Contractors Insurance.
Insured ASAP helps Chicago-area electrical contractors find the right small business coverage. Our experienced insurance agents are waiting to help answer any questions you may have.
Please feel free to call our office at 800-641-7488.
