Nobody has to remind you that as an electrician your work subjects you to significant personal and professional risks. Whenever you are on a job site, you’re handling materials that conduct electricity. Any miscalculation, no matter how small, could have dire consequences and even lead to death.
You may think that reliable equipment and protective clothing are all you need. But what about accidents? No matter how careful you think you are, you never know when something beyond your control might happen. What if you come into contact with energized circuit conductors due to stray voltage caused by faults in a system? Or what if you’re exposed to an arc flash because of faulty switchgear?
No insurance–or poor quality insurance–puts you in the position of potentially losing everything you’ve worked for. If you’re injured you’ll not only be unable to work (and therefore lose income), you may also have to cover all or most of your own medical bills. And if you’re found to be at fault for an incident, you may have to pay restitution. Either way, you may be out a substantial amount of money and also find yourself permanently out of a job.
Then there’s the small matter of your tools: your pliers, wire strippers, cable cutters, and electrical testing equipment, as well as the vehicle you use to transport yourself and your equipment to and from job sites. Tools are expensive and if they get lost, stolen or damaged, you’ll need money to replace them. Good quality electrician insurance can cover you against such events so that you can use your money for other things, like growing a one-person operation into a electrical contracting business.
The brokers at Statewide Insurance are here to help independent electricians like you buy the right policy from the right company at the right price. If you’re uninsured or not satisfied with your current policy, let us help you get the insurance protection you deserve today.