Don’t Work On Electrical Systems Without Electrician Insurance Coverage
Electrician Insurance from a Texas Insurance Agency
Whenever there’s a power outage, people panic, flooding utility companies with emergency calls. It’s hard to believe that only 150 years ago, Thomas Edison demonstrated how to harness electricity into an incandescent bulb. Nowadays, we can’t live without electricity – and electricians are the people that make it all happen. You may be proud to provide a vital service to your community, but be careful when it comes to protection. There are potential liabilities and dangers of working in or owning an electrician business, so don’t be shocked 😉 .
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Electrician Risks
Some of the on-the-job risks electricians face include explosions and electrical fires, and, worst of all, electrocution. Even if the electrician survives, he or she could have permanent cardiac repercussions, or burns to internal tissues. There’s also the risk of receiving a minor shock that’s startling enough to encourage a fall off a ladder or cherry picker. Shocks may result in muscle spasms, nausea, vomiting and heart palpitations. Sometimes electricians work on elevated power lines or in confined spaces, which present additional risks.
Because of the dangerous nature of electrical work, and the many things that can go wrong, electricians also face lawsuits. In 2013, two Houston electricians were charged with criminally negligent homicide when a man was electrocuted in a hotel pool. The cause? A short in the pool light the electricians had worked on. Apparently, the electricians failed to install a ground fault circuit interrupter, which would have prevented the death. The man’s family also filed a wrongful death civil lawsuit against the electric company that contracted with the hotel.
Property damage also leads to lawsuits. In 2009, two laborers were sued in Galveston for improperly installing a loft rental building’s electrical system – which resulted in a fire that gutted the building. Plaintiffs demanded both monetary compensation and a jury trial.
As one can imagine, lawsuits can be heart-rending and disastrous. And they’re even worse for those who are under-insured.
Don’t Work On Electrical Systems Without Electrician Insurance Coverage
Requirements for Electricians
The State of Texas requires electrical contractors, electrical sign contractors, and residential appliance installation contractors to meet or exceed minimum insurance standards. To receive their electrician certificate of insurance, you must show proof that their general liability policy covers at least $300,000 per occurrence (combined property damage and bodily injury), $600,000 aggregate (total amount the policy will pay for property damage and bodily injury coverage), and $300,000 aggregate for products and completed operation.
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Optional Insurance for Electricians
Professional Liability Insurance – If a client files a negligence claim against you, professional liability insurance defrays your legal costs and pays for damages awarded in civil lawsuits.
Commercial Property Insurance – This type of insurance protects the equipment, tools, and supplies necessary for an electrician to do his or her job. In the case of theft, fire, or vandalism; commercial property insurance helps electricians replace lost equipment.
Workers’ Compensation Insurance – Workers’ comp helps electricians injured in the line of duty pay their medical and hospital bills, missed wages, or, if necessary, funeral costs.
Commercial Auto Insurance – Service vehicles are crucial for transporting an electrician’s equipment. Commercial auto insurance provides coverage for any physical damage your vehicle suffers, and for injuries to the driver and passengers. It can also be used for legal funds related to lawsuits resulting from the vehicular accident.
It’s crucial for electricians to have enough insurance. Many things can go wrong, so protect your business, your reputation, and your income.
Testimonial from Owner of KJ Works
Company: KJ Works
Policies with HIA: General Liability, Contractors Policy, Inland Marine, Commmercial Auto and Worker’s Comp.
Industry: Residential and Commercial Construction
Working with Hettler Insurance Agency has made my life less stressful in various ways. I was switching over from a previous insurance company and they made sure to find me the best prices that would benefit me in the long run. If I ever have any questions about anything regarding my policies, HIA is very easy to get in contact with.
Vehicle Insurance
Insurance protection for the vehicles that matter most to you.
– Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
– Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
– ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
– Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
– RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
– Boat and Watercraft Insurance – We cover boats of all sizes.
Property Insurance
Insurance protection for the property that matters most to you.
– Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
– Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
– Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
– Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
– Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
– Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
– Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.
Commercial & Business Insurance
Coverage that helps protect your business
– Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
– General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
– Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
– Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
– Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
– Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
– Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
– Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
– Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
– Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
– Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.
Life/Health Insurance
Insurance protection for your family’s health.
– Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
– Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
– Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
– Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.