Let's Protect What's Yours

Electrician Insurance

Electrician insurance in Mississippi is for electrical contractors of all sizes. No matter how big or small your business is, you need insurance. Do you have tools, equipment, or property you can't afford to replace if it's lost or damaged? Could you be faced with a lawsuit? If either of these is true for you, you should protect yourself and your business with the right electrician insurance coverages.

There are several basic insurance coverages we recommend to Mississippi electricians.

General Liability

As a business owner, you are potentially liable for every product, service, and operation relating to your business. While sound procedures may be stressed throughout your organization, the fact remains that no person or machine is perfect. Despite your best efforts, harm caused to a third party relating to your business could lead to litigation. Commercial general liability insurance is designed to protect business owners and assets from a variety of exposures.

Professional Liability (E&O)

If you or your employees are specialists providing services that may cause a client financial damage through any errors or omissions, you will benefit from professional liability coverage. You work hard to perform your duties and responsibilities to the best of your ability, but if your customer isn’t satisfied, you may face a lawsuit. A professional liability policy protects you, your employees, and your business.

Commercial Auto

Imagine you were involved in an accident in your personal vehicle while engaged in company business. Did you know your personal insurance may not cover you? What if you have employees on the road making service calls to customers? Commercial auto insurance protects your company-owned vehicles, leased or rented vehicles, and your employees' vehicles used for business purposes.

Workers Compensation

If you employ any number of workers who are not considered owners of the business, then you are legally required to maintain a workers compensation policy. You do your best to maintain a safe work environment, but if any of your employees are injured or become ill on the job, you are legally responsible. A workers compensation policy can cover the payment of your employee’s medical expenses, lost wages, and rehabilitation costs.

Commercial Property

Imagine a fire breaks out, and you lose your entire inventory. Or your business is burglarized, causing physical damage and possibly lost assets. Your ability to recover from these incidents depends on your commercial property insurance.

Wind, hail, and floods are especially common in Mississippi, especially if you’re on the Gulf Coast, where the risk of hurricanes and tropical storms is high. You’ll want to give special consideration to protecting your business property from these risks.

Tools & Equipment

Covers your tools and equipment in case of damage or theft.

Other Beneficial Electrician Insurance Policies

Excess/Umbrella

Without an excess liability or umbrella policy, a catastrophic claim could deplete your future income and business assets. Every business is vulnerable to devastating losses and lawsuits that could exceed your primary insurance coverage. This is a critical coverage—especially for small to mid-sized businesses. Learn More

Flood & Earthquake

Your basic insurance policy does not protect you against damage from earthquakes and floods. Whether you are in a high-risk area or moderate-to-low risk area, you should consider adding earthquake and flood insurance to your business insurance policy. More than half of all flood claims occur in areas considered to have low flood exposure, and each year there are around 5,000 earthquakes in the United States.

Inland Marine

Do you have business equipment, materials, or supplies in transit? Do you store business property in an off-site location? Inland marine coverage protects your most valuable business property or equipment wherever it may be.

Where do I start?

Business insurance can be a complex process of finding the insurance policy that best fits your needs. We're here to help you identify your potential risks and liabilities and then work with you to tailor electrician insurance policies that will protect your business. Let's get started protecting what's yours.