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What Type of Insurance Do Electricians Need?

To legally work in the state, an electrician must be licensed and regularly take continuing education courses as specified in the program rules. An Electrical Contractor, Electrical Sign Contractor, and Residential Appliance Installer Contractor License require general liability coverage of at least $300,000 per occurrence, combined for property damage and bodily injury, $300,000 aggregate for products and completed operations, and $600,000 aggregate. The aggregate limit is the total amount the policy will pay for damage and bodily injury. What we usually offer is $1,000,000 each occurrence and $2,000,000 aggregate as it is the standard limit of insurance and this is the limit that will be required when you work for a General Contractor.

General Liability Insurance Coverage:

The GL policy for electricians covers the business liability to third parties for negligence and errors in providing services that result in loss caused by occurrences during the policy period. An occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions that begin during the policy period. It also includes by an error by the business that is unintentional harm or damage.

Coverage A: Bodily Insurance and Property Damage Liability

The insurance company will pay for the damaged the electrician is legally obligated to pay because of bodily injury or property damage to which