Electrician Insurance

Electrician Insurance in Minnesota


We’d love to discuss how our electrician insurance in MN solutions can help protect your business and give you peace of mind. Do you have a few minutes to talk about your insurance needs? 

Rest for a free Handyman Insurance Quote

Electricians are subject to numerous risks every day. Whether working on complex electrical systems, handling expensive equipment, or ensuring the safety of your client’s properties, unexpected incidents can happen. The right electrician insurance coverage protects your business from possible financial losses due to accidents, damages, or legal claims.

Electrician insurance agency

Electrical contractors’ insurance in Minnesota protects your business against financial losses from accidents, damages, or lawsuits. It provides coverage against 3rd parties for bodily injury, property damage, and legal fees, ensuring that you can continue operating without severe financial strain if an incident occurs. This insurance safeguards your assets and livelihood and builds trust with clients. Many will ask for proof of insurance, commonly known as an insurance certificate, before hiring you. Overall, electrician insurance is an essential investment for maintaining a secure and reputable business.

Buy your electrical contractors’ insurance from us. We offer general liability insurance, workers comp, commercial auto insurance, and electrical bonds. It’s time to contact our agents to help you (based in Minnesota). We give you the best deal the first time and keep you on budget. Complete our online form (short) or call 952-469-0425 

Request for a free Electrician Insurance Quote

Understanding the Cost of Liability Insurance in Minnesota

Minnesota’s liability insurance cost for electricians typically ranges from $400 to $1,500 per year for small businesses. Larger companies or those with higher risk exposures may pay between $2,000 and $5,000 annually. Some factors affecting the cost include the size of the business, the nature of the work performed, the number of employees, and the business’s claims history. To get the most accurate estimate, we should request quotes from multiple insurance providers (which we do for you). 

Here are some key benefits of our electrician insurance program: 

1.   General Liability Insurance: Covers third-party bodily injury and property damage. Say a client’s property is accidentally damaged or someone is injured due to your work; this policy protects you from costly lawsuits and medical expenses. 

2.   Workers’ Compensation Insurance: When you have employees, this coverage is not only required by Minnesota law but also ensures that your workers are taken care of if they get injured on the job. It covers medical expenses and lost wages, helping you maintain a safe and compliant workplace. 

3.   Commercial Auto Insurance: Covers vehicles you use for business purposes. Whether transporting tools or traveling to job sites, you’ll be protected in case of an accident. 

4.   Tools and Equipment InsuranceTools are essential to your work. This policy covers the cost of replacing or repairing tools and equipment that are lost, stolen, or damaged. 

5.   Professional Liability Insurance: Protects you against claims of negligence or errors in your professional services. This is crucial for safeguarding your reputation and finances. 

Providing Reassurance and Trust  

We are insurance professionals who are laser-focused on you; we listen and deliver. No more worrying about the ‘what-ifs’. That’s why we offer comprehensive coverage tailored to the specific needs of electricians like you. All our policies are designed to provide robust protection at competitive rates. Plus, all policies come with an agent!

We are happy to provide you with a free, no-obligation quote. Can we get some details about your business? We want to customize the insurance coverage to your specific needs. It will only take a few minutes, and we can answer any questions you have. 

Request your insurance quote now. Call 952-469-0425 or use the quick quote form. Start saving now!

Frequently Asked Questions (FAQs) 

1. What types of insurance should an electrician in Minnesota have? 

Answer: Electricians in Minnesota should have several types of insurance, including General Liability Insurance, Worker Compensation Insurance, Commercial Property Insurance, Commercial Auto Insurance, Professional Liability Insurance, and Tools and Equipment Insurance. These coverages protect against risks like property damage, bodily injury, professional errors, and theft or damage to tools. 

2. Can a homeowner do their electrical work in Minnesota? 

Answers: Can I do my wiring at home? Minnesota State Law requires a licensed, insured, and bonded electrical contractor to perform the work. It is always best to check with your local city electrical inspector before doing wiring or electrical work. 

3. How much does electrician insurance cost in Minnesota? 

Answer: The cost of electrician insurance in Minnesota can vary based on several factors, such as the size of the business, the types of coverage needed, and the claims history. Generally, electricians’ general liability insurance can range from $400 to $1,500 per year. It’s best to obtain quotes from multiple insurers, which we do automatically.

4. What is covered under General Liability Insurance for electricians? 

Answer: General Liability Insurance for electricians offers some protection from third-party bodily injury claims, property damage, and personal injury claims. General liability insurance includes medical expenses & legal fees if there is negligence & someone is injured due to your work, as well as costs associated with accidental damage to a client’s property. 

5. Can bundling different types of insurance policies save electricians money? 

Answer: Yes, bundling different types of insurance policies, such as general liability, commercial property, and business auto insurance, can, in many cases, lead to discounts and cost savings. Many insurance providers offer bundled packages with comprehensive coverage at a reduced overall premium. 

6. How do electricians file an insurance claim in Minnesota? 

Answer: To file an insurance claim, electricians should: 

·         Contact their insurer: Notify the insurance company about the incident immediately

·         Document the incident: Provide detailed documentation, including photographs, repair estimates, and witness statements. 

·         Cooperate with the investigation: Work with the insurance adjuster and provide any additional information requested. 

·         Review the settlement offer: Carefully review the insurer’s offer and consult with their agent if needed. 

·         Receive payment: Accept the settlement to receive payment according to the policy terms. 

Call us

1 Step 1
Quick Quote Form!
> Receive multiple quotes for maximum savings
> Let us answer your insurance questions & help
reCaptcha v3

Do you have questions about Minnesota Contractors Insurance? 952-469-0425

Do you have questions about Minnesota Contractors Insurance? 952-469-0425