Alberta Electrician Insurance
As an electrical contractor, you are a tradesman that is responsible for performing a wide variety of jobs, such as business and home repairs as well as new construction projects. Del Fisher Insurance has developed special Electrician Insurance in order to address all of the unique needs of your industry. A wide range of coverages are available for companies of all different sizes.
Commercial Liability Insurance
The most important type of coverage is Liability Insurance. This type of coverage will protect you and pay for the expenses related to a claim for which you are found to be legally responsible for property damage or bodily injury that your business operations caused.
Electricians are often required by general contractors to provide a proof of insurance as well as add them to your policy as an additional insured. This is not a problem and Del Fisher Insurance has the experience and expertise to take care of this type of request.
Commercial Auto Insurance
One crucial element of Alberta Electrical Contractors Insurance is coverage for the vehicles you use on the job. It is never a wise decision to keep your commercially used vehicles on a private passenger vehicle insurance policy. That type of policy will not provide you with all of the coverage that you need and when you have a business to run, you cannot risk insufficient coverage. Likewise, you do not want to include any privately owned vehicles on your commercial auto insurance policy unless they are used to conduct business.
It is very important that you make certain that you are protected against liability claims that may stem from an employee using their own car to run errands for your company. Talk with your Electrician Insurance broker to find out all of the details regarding loss of earnings, rental reimbursement, employees as insured, towing reimbursement and wavier of collision deductible. This way, you will be certain what is and is not covered under the commercial auto portion of your insurance policy.
Electricians Who Own Their Own Shop
As an electrician that owns your own shop, you may want to consider some additional coverage options. In some cases, an electrical contractor will use the garage or shop at their home to store equipment, tools, materials and hardware. It is important that you understand that your Homeowners Insurance policy is not going to cover anything in your shop or garage that is used for business purposes.
The only way to make certain all of your tools, equipment and other supplies are covered is by including commercial property insurance in your Alberta Electrical Contractors Insurance policy. This will include not only your shop or office building, but also the contents of these structures. You can also be compensated for business interruption if the loss or damage of your covered property results in a halt of operations.
You will also need to think about including employee dishonesty insurance in your policy. This type of coverage will protect you against the loss of money or property as a result of employee theft.
It is a good idea to talk with your Del Fisher Insurance broker about saving money on your policy by bundling all of the coverage that you require together. You may want to consider including special endorsements that will include outdoor property, fine art, personal property, computers, cash, property in transit, mobile equipment and a number of other losses. By taking the time to talk with your broker, you will have help evaluating and addressing all of your insurance needs.
Our team is dedicated to providing each and every client with coverage choices that will not only fulfill all of their insurance needs, but also meet their company budget. Our brokers pride themselves on offering superior service after the policy is issued and whenever you file a claim.
Do not wait until it is too late to find out if you have adequate Electrical Contractors Insurance. Take action now by clicking on the quote request button to connect with an experienced and friendly broker that is ready to help protect your business.