Iowa Electrical Contractors Insurance: Get a quick quote or call us at 952-222-8073.
Working with electricity is a risky profession. Electrical contractors insurance is needed regardless of whether you own an electrical company or work as an independent contractor, it would help if you were prepared for all types of potential risks that come along with the job.
So, it is important for you to take every step to protect your business and all your employees. With our Iowa electrician contractor insurance, your business will be protected from all aspects.
At Iowa Electrician Insurance agency, our agents understand the importance of having electrical insurance that you might encounter as a contractor. Our electrical contractor’s insurance plan provides comprehensive coverage tailored for your trades business.
Our Iowa Electrical Contractors Insurance covers:
- Professional liability
- General liability
- Pollution
- Equipment and property
- Umbrella or excess liability
- Commercial auto
- Employment practice liability
- Worker’s compensation
- Surety bonds
- And other specialty insurance products that your business may require
As an electrical contractor, you can rely on Iowa electrical contractors insurance to cover you from all aspects. We have enough expertise and markets available to provide all-around protection for your business.
Contact Us today at 952-222-8073 to get the best Electrical contractors Insurance Quotes that suit you.
Experience The Best Electrician Insurance Iowa: Here is what we provide
We shop from multiple insurance companies and match you with the best fit for your growing electrical contracting business. We have been in business for a long time, so we know which policies suit your business the best. For example, perhaps you are an independent contractor who has just started a business in making, or maybe you have an established electrical contracting company. Either way, we can recommend the types of coverage you should purchase.
Our Range of Services: Iowa Electrical Contractors Insurance
1. Commercial General Liability Insurance
General liability insurance covers your business or your workers should they be sued or found liable for the following types of claims:
- Damage to other people’s properties
- Bodily injuries and deaths
- Advertising and personal injury
Commercial general liability insurance will also cover the cost of the damages and losses incurred in the event. In addition, this insurance can cover the cost of your legal defense and medical fees. Electrical contractors need protection for your premises, products, operations, and completed operations.
2. Commercial Property Insurance
Commercial property insurance helps cover your business property if it encounters a disaster. This insurance will cover the loss or damage of the following should a fire or other covered peril arise:
- Other people’s properties
- Business personal property & equipment
- Landscaping
- Furniture and fixtures
- Building or structure
3. Workers’ Compensation Insurance
Workers’ compensation insurance is required by Iowa law in most cases. If you own an electrical contracting company, it is only fair to provide your employees with complete workers’ compensation. Working with electricity is a dangerous business, so it is good to reassure your employees that they and their families are financially secure if an accident happens on the job. Iowa workers compensation insurance offers several benefits, which are:
- Income benefits
- Medical benefits
- Burial benefits
- Death benefits
- Vocational rehabilitation benefits
4. Equipment and Tools Insurance
Equipment and tool insurance covers the cost of replacement and repairs for all your gear. Though general commercial liability already protects your tools to a certain degree, it does not offer ideal coverage.
5. Commercial Auto
Should any of your commercial vehicles meet an accident while in transit, commercial auto insurance to cover the following incidents:
- Liabilities resulting from damage to another person’s property, injury, or death
- Damage from collision
- Damage from non-collision (e.g., vandalism, theft, and other perils)
- Personal or medical payments of the insured
- Injury or property damage caused by hit-and-run motorists or the uninsured
Apart from these essential policies, Iowa Contractors Insurance can include other kinds of insurance in your plan. For example, we can add bonds or even a business owner’s policy if you want to further secure your company.
How Much Does Electrical Contractors Insurance Cost?
The electrical contractor’s insurance rates vary depending on a range of factors. The primary concerns that affect your electrician insurance cost in Iowa are:
1) the size of your business
2) the type of business insurance policy that your business needs
3) the work history of your company
However, regardless of how much the insurance costs, it is extremely important to have your business covered.
Contact Us for Electrical Contractors Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City
Contact us for General Contractors Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City
Simply complete our quick quote form, or call us at 952-222-8073 today, and we will create a plan for you
“We make insurance simple to understand and easy to purchase”
Frequently Asked Questions: Electrical Contractors Insurance Iowa
Q: Should an electrician be insured?
Answer: Liability insurance for independent electricians and businesses is an absolute minimum. Insurance is the coverage that will protect your business if something you do or something goes wrong that results in the injury to a client or damage to their property or your employees.
Q: Do self-employed electricians need insurance?
Answer: Electricians – regardless of operating as a business or self-employed electricians– need to be dedicated, specialist insurance to provide essential protection. The electrician insurance policies should provide a range of important cover options, including public liability, employer’s liability, property, and contract works.
Q: How does electrical contractors’ insurance work?
Answer: General liability electrical insurance, or electrician liability insurance, helps cover claims that your electrical business can cause bodily injury or property damage to someone else’s belongings. Commercial property insurance helps protect your owned or rented building and the equipment you use as an electrician.
Q: What insurance do you need to be an electrician?
Answer: As an electrician, you’ll be very aware of the potential risks that electricity can pose for both you and your customers. If things go wrong, the consequences can be extremely serious. That’s why it’s important to have public liability insurance and other specialist insurance in place.
