If you’re an electrician or the owner of an electrical contracting business, large or small, you know the risks your business faces. From potential property loss, to road accidents with your work trucks and other vehicles, or issues with installations, you need to make sure your business is covered.
Massachusetts and Rhode Island Electrician Insurance
Businesses We Insure
If you own an electrical contracting company, or you’re in charge of its risk management decisions, you have a huge responsibility. With everything else you need to do each day, you probably don’t have time to know all the ins and outs of your business insurance policy. That’s where Lapointe Insurance can help.
We often get the question: What is the best insurance provider? Each electrician is unique, and likewise, each insurance company is unique. Insurance carriers look for a properly run business that operate safely and have a good reputation. They are careful to select only the best companies, and qualifying for their top programs depends on the following:
- Total amount of residential vs. commercial work.
- Whether government work is performed.
- Gross sales.
- Involvement of sub-contractors (No hired sub-contracts is preferred)
Coverages we Recommend
Commercial Auto Insurance
Helps pay for any claims resulting from an employee’s accident while driving a company vehicle, or their own vehicle while on company time.
Workers Compensation Insurance
Can help replace workers' lost wages, pay for medical treatment, and protect your business in the long run.
Errors and Omissions Insurance
Protects against customers' claims for negligent acts, errors, or omissions committed during business activities that result in a loss for the client.
Property In Transit Insurance
Protects the valuable equipment you use to perform your contracting services. It can cover losses to goods that occur at your premises, while being transported to our from your premises, or while in storage.
Contractors Equipment Insurance
Protects your valuable tools and machinery against damage while on the job. Common tools include those used in construction, landscaping, and landscaping. (Ex: Compressors, pumps, saws, and other portable equipment.)
Employee Dishonesty Insurance
Helps recover losses from employee theft. Work with your agent to find the right amount of coverage for your business.
Ready to Get Started?
Fill out our form today to get a free quote for business insurance. It only takes a couple minutes! Available to electricians in MA and RI.