Business insurance for electricians

If things go haywire on a job, we’ve got you covered.

Whether you’re on a residential or light commercial job, electrical work can be dangerous business. Even if you’re the most skilled and experienced electrician, a mistake leading to personal injuries, property damage, fire, or worse could result in you getting hit with a costly lawsuit.

A local State Farm agent can help you insulate your business from potentially serious financial losses with electrician’s business insurance customized to your exact needs.

Electrician coverages include

The advantage of our electrician’s business insurance policy is that it offers you a broad range of protection at shockingly great rates.

  • Business personal property covers the loss or damage to office or business equipment including computers, office furniture and more.
  • Building property protects your storage buildings and other structures.
  • Business liability helps protect you against costly claims and lawsuits due to personal injuries, accidental fires, and more.
  • Completed operations covers bodily injury or property damage claims that occur after a project is completed.
  • Mobile equipment provides broad coverage for your tools and equipment, whether you’re at home, on the jobsite, or taking a lunch break.
  • Installation floater protects valuable equipment or materials – like copper wiring, galvanized pipes, electrical boxes and more – while in transit, awaiting installation, or being installed at the job site.
  • Property of others covers the loss or damage to property of others that is in your care.

Consider adding additional coverages

Depending on the type of electrical work you do, the number of employees you have, and other factors – what’s covered in your business owner’s policy may not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Employers’ non-owned and hired car

If your business uses hired, leased or loaned vehicles on a short-term basis, or if employees use their vehicles for your business, you may want to consider employers’ non-owned and hired car coverages. Talk to a local agent about available coverage options in your state.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Surety Bonds

Surety Bonds guarantees your work for licensing requirements and can also give potential customers added peace of mind.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:
agent-know-how

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.

customizable-insurance

Customizable insurance

We offer an array of coverage options that can be combined into one policy.

exceptional-service

Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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