Electrician Insurance

Contractors Insurance is an award-winning Ontario provider of personalized insurance plans for contractors, tradespeople, and other professionals in the construction industry.

Whether you are a residential, commercial, industrial, or auto electrician, it’s our mission to provide tailor-fit electrician liability insurance policy or bundle you can rely on. We also serve electrical contractors who employ electricians.

Our dedicated team will be with you every step of the way—from negotiating premiums to following up on claims. So, when you bring your business to us, you get a hassle-free, no-fuss insurance experience. With Contractors Insurance, you’re in good hands!

What Is Electrician Insurance?

Electricians’ insurance is usually not just one type of insurance, but rather a bundle of policies designed to protect against their respective set of risks.

At the core of all these insurance bundles is commercial general liability insurance specialized for contractors. However, additional types of insurance may be recommended depending on your needs. These additional policies may include:

Commercial General Liability Insurance (CGL)

Whether you do electrical work for homes, commercial settings, or cars, accidents can happen—often resulting in third-party injuries and property damage.

CGL insurance protects from financial losses related to:

Third-party injuries or property damage
Damaged electrical tools or equipment
Reputational or advertising injuries

Commercial Auto Insurance

Most electricians and electrical contractors cannot operate without commercial vehicles, as they help get to clients’ homes and buildings. Unfortunately, this increases the risk of injuries and property damage due to vehicular accidents.

Commercial auto insurance protects against financial losses due to:

Property damage or injuries caused by your vehicles
Damage incurred to vehicles during an accident
Stolen or vandalized commercial vehicles

Commercial Property Insurance

If you have a physical office or workplace where you store valuable equipment/materials or meet with clients, then commercial property insurance is a must-have.

Commercial property insurance provides liability coverage for:

Repairs and replacement costs associated with property damage or loss due to a covered peril (such as natural disasters, fires, or floods)
Lost income due to property damage

Workers’ Compensation Insurance

Electrical contractors who employ electricians need to ensure they have a reliable workers’ compensation insurance policy. This type of insurance provides payouts if employees are injured, become ill, get disabled, or pass away due to an accident at work.

Who Can Benefit From Electrician Insurance Coverage?

Electrician liability insurance can benefit the following types of contractors:

Residential electricians
Commercial electricians
Industrial electricians
Auto electricians

Furthermore, electrical contractors who work with or employ the above electricians can also benefit from customized electricians’ insurance.

Why Is It Important for Ontario Contractors to Have Electrician Insurance?

There are around 38,950 electricians in Ontario—the field is too competitive for electricians and electrical contractors to face lawsuits and liabilities without insurance. Furthermore, while some insurance is required by law for practicing electricians in Ontario, having a more comprehensive policy can help earn client trust.

Electrical Insurance Claims Example

Claims Example #1

A residential electrician’s faulty wiring causes a house to catch fire, and one resident is badly injured in the incident.
The family sues, and the electrician is found liable for the incident. CGL insurance for electricians will cover the settlement amounting to $340,000.

Claims Example #2

An auto electrician’s faulty wiring on a car causes the car to be involved in an accident. The driver suffered minor injuries and car damage.
The client sues and the electrician is found legally responsible. CGL insurance for electricians will cover the settlement amounting to $25,000.

Claims Example #3

On the way to a client’s house, an electrician gets involved in a car accident, damaging both cars and injuring the other driver.
The electrician is found liable for the accident. Commercial auto insurance will cover the settlement fees and repair fees totalling $30,000.

Claims Example #4

A fire breaks out in an electrical contractor’s office, partially damaging the property and some stored equipment.
Commercial property insurance for electricians will cover the repair and replacement costs totalling $17,000.

Leading Provider of Insurance for Electricians in Ontario

We take pride in providing the best possible service and support to our clients. Some of the benefits of choosing us for electricians’ insurance are listed below!

Personalized Insurance Plans

Our customized electrician liability insurance bundles mean you don’t need to worry about costly, unnecessary riders. You save money in the long run while still enjoying peace of mind knowing you are adequately protected.

Utmost Transparency on Coverage and Limitations

Say goodbye to confusing insurance jargon when it comes to your insurance policies. Our team of experienced insurance brokers will clearly explain how it all works, what the triggers are, and what limits/exclusions you need to know about any professional liability insurance that you choose.

Thorough and Straightforward Insurance Education

We treat our clients like business partners. By providing you with all the information you need, we empower you to make informed decisions about your policy.

Frequently Asked Questions About Electrician Liability Insurance

Typically, electricians’ insurance starts at around $60 per month for a coverage limit of $2 million. As you add more policies, the fees can increase. Insurance bundles are generally cost-effective in such cases.

Yes, practicing electricians in Ontario are required to have an electrician insurance policy.

Ready to Get the Coverage You Need?

Electrician liability insurance can be complicated, but we do everything we can at Contractors Insurance to provide straightforward plans that work for you.

Whether you’re an electrician or a contractor who employs them, you can feel confident in our ability to curate coverage that delivers peace of mind. Our electricians’ insurance plans have no unnecessary riders and are designed to meet the needs of your industry.

Electrician Insurance