Electrical

Most people don't realize it, but being an electrical contractor is the most dangerous of all subcontractor occupations. If you're a plumber you might get a little wet, a painter, some paint on your clothes, a framer might bang his thumb. But when you're an electrician, you're dealing with very dangerous high voltage live circuits. One wrong move could cost you your life in an instant.

Here are some suggestions and good advice for electricians to stay safe and sound, and to make it home each night.

When in doubt, never cut the red wire. It always blows up on you.
Water and electricity don't mix, so don't sweat it.
It's shocking how little people know about electricity.
No matter how much you cut the wire it will still be too short.
The part or tool you need is always back in the truck.
Changes cost money, and last minute changes even more.
Electricians are the most critical service because everything your customer needs also needs electricity.
The first troubleshooting act should be to check the circuit breaker is on.
An electrician is the person that fixes what your husband has "fixed".
Electricians have to strip to make ends meet.

No, but seriously,
6 Things Every Electrician Should Know:
Continuous learning is a must.
Always be aware of safety and quality.
The customer is always right...but never trust them.
Effective communication is as important as good electrical work.
Protect your eyes as they are your greatest investment and tool.
Effectively manage your time to ensure a successful business.

Now that we've got you protected and safe practices, let's work on protecting your business. Running a small business is hard work. As an electrician, you face unique risks every day. Our specialists are here to help get you the business insurance coverage you need. An Electrician Contractors General Liability Policy will keep your business, healthy and safe.

Why Electrician Liability Insurance Is Important.
Working on electrical systems, whether residential or commercial has the real potential to be very dangerous, even life-0threatening. Self-employed electricians or electrical contractors deal with unique risks because they handle:
Live wires
Active Circuits
Specialized equipment
This is in addition to the common risks that most business owners face, like property damage or bodily injury.

Electrical work is as diverse as any other profession. It includes many different facets like:
Commercial electricians
Construction electricians
Electrical contractors
Electrical journeymen
Electrical linemen
Electrical technician
Fiber optic testing
Industrial electricians
Low voltage electricians

Why do Electricians need a good Electrician General Liability Insurance Policy?
From improper wiring that damages a customer's equipment to accidents in company vehicles to loss of customer credit card data, electricians and their businesses have to be prepared for the potential financial impact from a wide range of risks.

General liability insurance, Public Liability Insurance, or Electrician Liability Insurance helps cover claims if or when your electrician business causes bodily injury or property damage to someone else's belongings. An Electrician General Liability Insurance Policy can help cover claims that your business when you couldn't otherwise afford it. It could even put you out of business, permanently.

Being prepared for the unexpected is essential to running a successful small business.
Events like a fire, storm or theft can damage your tools and prevent you from operating. That's why electrical contractor insurance is important, even critical. Most lawsuits are frivolous, or unfounded. But that doesn't mean it won't cost you dearly to defend yourself. Lawsuits can be costly for your small business. Without business insurance, you may have to pay out of pocket for legal costs if someone sues you, but with Electrical Contractor's Liability Insurance, you can have peace of mind knowing you have coverage to help protect you in lawsuits. Don't get caught unprepared or uninsured.

Electrician Liability Insurance helps cover claims that your business hurt somebody or damaged their property. This is also known as Electrician General Liability Insurance.

Electrician's General Liability Insurance gives you the confidence you need to perform work while being protected across a spectrum of potential suits against you or your business.

Electrician's insurance, also called commercial general liability, provides coverage for other types of risks that are commonly faced, such as another person's claims of bodily injury, personal injury, or property damage. The clients who hire you to do electrical work could sue you for an accidental slip-and-fall accident, unintended damage to their home or property, or even slander.

Risks
It's important to think about the potential situations that could arise from performing electrical work in a client's home or business. While the majority of your jobs will go smoothly and without any issues, getting an electrician's general liability insurance policy now can prevent unforeseen headaches and hassles down the road.

Many project and job site will require your small business to obtain/purchase an Electrician's General Liability Insurance Policy before you can even step foot on their job site, or conduct any work. It's as required and uncomfortable as the hard hat.

You're Not Alone
General Liability is purchased by 95% of small business owners just like you. Electrician General Liability Insurance for electrical contractors covers a wide range of accidents and basic risks. With an electrician liability insurance policy, you'll have financial protection if someone other than an employee gets hurt, or if you are held responsible for damaging property that doesn't belong to you. General Liability Insurance might be required for an electrician license in your state, and it's common for clients to ask for proof of coverage or a certificate of coverage. General Liability Insurance includes contractors' E&O, or professional liability coverage, which can help cover costs in a business disagreement.

Electrician General Liability Coverage can help you pay for:
Medical payments
Property damage
Legal fees and judgments

Electrician insurance costs vary based on the risks that your business faces, such as:
The types of projects you work on
Where your projects are located
The types of vehicles you use at work
Other risk factors

Save Time
Get a quote entirely online or speak with one of our customer service experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money
We cover your small business directly, without a middleman or insurance broker, so we can pass that savings along to you - up to 50% less than policies with insurance companies.

ACE Financial understands that no one's perfect. Accidents happen. That's why we offer a very affordable electrician general liability policy in just days. Not weeks or months like most insurance companies do. Our electrician's general liability policy is based on a small business low risk group discount. This allows us to pass the savings onto you. Our unique risk sharing pool allows us to offer great coverage at a low rate only to small business owners just like you. So get a quote today in minutes, and then fill out an application in only 10 to 15 minutes. You'll have your certificate of coverage within 24 to 48 hours, right when you need it. Our helpful and experienced customer service department will gladly answer any questions that you may have and take care of any of your needs. 87% of our clients are repeat customers. So join them and give us a try, you'll be glad you did!

General Liability Insurance Policies are also riddled with many limitations, exclusions, riders, rate-ups and limits, written in a legalize boilerplate format in order to shield the insurance company from ever paying out in a claim. As the business owner, you need to be very savvy against their manipulation by considering an alternative to their insurance policy games.

Therefore, ACE Financial does not offer an insurance product, but a very effective alternative to insurance by using a risk-sharing group of like-minded industry professionals. We protect our own family by grouping together these low-risk professionals in a policy that is designed and customized to protect them in an honest, practical, cost saving manner. This allows ACE Financial to offer one of the lowest rates in the industry. This risk-sharing method has legally and effectively been used for hundreds of years successfully with farmers, churches, many other professions and governmental agencies.

At ACE Financial, we offer contractors liability coverage tailored to your specific needs and budget. We understand the unique risks and challenges that you face as a professional in the construction industry. We can help you find the best policy that suits your industry and project type. We can also provide you with a certificate of liability coverage that you can use to prove your coverage to your clients or partners.

Don't let an unexpected claim or lawsuit ruin your business. Contact us today to get a free quote and learn more about our contractor's general liability coverage options. We are here to help you protect your construction business with confidence and peace of mind.

For personalized advice, to explore the best coverage options for your business, and to get a low rate quote, reach out to our expert customer service advisors today.

For specific insurance details, terms, and conditions, please consult with a licensed insurance professional. The information provided here is for informational purposes only and does not constitute legal or financial advice.