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Protect Your Electrical Business with Workers' Compensation Insurance

Running an electrical business has unique challenges. From ensuring high-quality work and customer satisfaction to prioritizing the safety of your team, there is a lot to do. Our specialized workers' compensation insurance is designed for electrical contractors, addressing all your unique requirements. Accidents can occur unexpectedly, but our coverage lets you concentrate on what you do best—providing exceptional electrical services to your customers.

Safeguard your electrical business today.

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What is Electrical Contractors' Workers' Compensation Insurance?

Accidents can happen out of the blue in the world of electrical work. Your employees might sustain injuries while handling equipment, working at heights, or dealing with hazardous materials. Electrical workers face the following risks:

  • Electric shock from live electrical currents and dangerous equipment.
  • Burns from electrical arcs or contact with live wires.
  • Falls from heights while working on electrical structures.
  • Danger from sharp tools and equipment that require precision and caution.
  • Musculoskeletal strains from physically demanding tasks, such as carrying heavy electrical components and climbing.
  • Potential fire and explosion hazards when dealing with electrical systems.
  • Eye injuries due to flying debris or sparks during electrical work.

Workers' compensation insurance is specifically designed to cover these risks, supporting medical expenses and wage losses in case of job-related injuries.

Workers’ Compensation Insurance Benefits

A work comp policy provides:

  • Medical care for the employee’s injury or illness
  • Vocational rehabilitation to return the worker to health and transition them back to the workplace
  • Disability benefits if the employee is unable to return to work after the injury
  • Death benefits for surviving family in the event of an employee fatality
  • Employer liability in the event of potential negligence
  • Legal costs if the claim is challenged or if an employee sues for damages

Workers' compensation insurance fulfills legal requirements and demonstrates your commitment to your employees' well-being and safety.

How Much Does Workers' Compensation Insurance for Electrical Contractors Cost?

For electrical contractors, the cost of workers' compensation insurance is influenced by the size of the business, company payroll, and the company's past coverage and claims history.

The electrical contracting industry is categorized as mid- to high-risk. Within the industry, rates may differ depending on your company’s specific circumstances:

  • Companies that specialize in high-voltage electrical work or intricate wiring installations face higher insurance costs.
  • Businesses that offer specialized services like industrial equipment installation or electrical system design may experience increased insurance costs.
  • Companies that extensively use heavy machinery, such as large-scale generators or industrial electrical equipment, can expect higher premiums.
  • Firms operating during night shifts might face higher premiums, due to the increased risk of accidents in the reduced visibility.
  • Companies with experienced and well-trained professionals may receive better rates as they are less prone to accidents.

Workers' compensation premiums are calculated based on employees' specific job functions. Some employees have distinct roles, while others have multiple responsibilities. These roles are classified using work class codes. It is crucial to accurately classify employees based on their primary tasks, as this can significantly impact your premium.

Note: Some electrical companies have constantly changing job sites, co-workers, or contractors for each project. In such cases, general contractors must either include subcontractors under their work comp policy or make sure they provide proof of their own insurance before starting work. Subcontractors are generally covered under the general contractor's liability unless they have their own insurance.

Is Workers' Comp Insurance a Legal Requirement for Electrical Contractors?

Workers' compensation insurance is not just a smart choice for electrical contractors—it's a legal requirement in many U.S. states. Failure to have this insurance can lead to hefty fines and penalties.

If your employees work in multiple states, or temporarily out-of-state, you may have to purchase insurance for all the states where your employees are located, according to each state's laws.

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How to Get a Workers' Compensation Insurance Quote for Your Electrical Business

Step 1: Understanding Workers' Compensation Insurance

Workers' compensation insurance provides crucial wage replacement and medical benefits to your employees in the event of work-related injuries or accidents, such as electrical mishaps or falls i.e., workers’ compensation claims. Given the nature of the electrical industry, where employees might be exposed to risks such as electrical shocks, burns, or strains, having comprehensive workers' compensation coverage is vital.

Step 2: Assessing Your Business Needs

Before contacting insurance agencies, take some time to assess your electrical business's specific requirements:

  • Divide your employees by classification code.
  • Determine the number of employees you have and calculate your payroll. You may be able to exclude yourself if you don't wish to be covered under the policy. (This depends on your state’s laws.)
  • Identify the common risks your employees face while working with electrical systems, wiring, or handling equipment.
  • Consider any unique roles or tasks with specific risk profiles, such as dealing with high-voltage systems or working at heights.
  • Compiling this information will help the insurance agency provide an accurate and tailored quote for your business.

Step 3: Complying with State Laws

Each state has its own regulations regarding workers' compensation insurance. It's crucial to familiarize yourself with your state's specific requirements and any exceptions that may apply to your electrical business.

Remember that if your electrical business operates in multiple states or your employees work temporarily out-of-state, you must purchase insurance for all locations according to each state's laws.

Step 4: Reaching Out to Insurance Agencies

Now it's time to contact insurance agencies. Consider working with an independent insurance agency that can explore multiple options and find the best quote for your electrical business.

Provide the agency with the detailed information you've gathered, including:

  • Your Federal ID Number (or Social Security Number for sole proprietors),
  • A copy of your previous workers' comp insurance policy or information about any past coverage or claims,
  • Specific roles and risks associated with your electrical services, and
  • Your state's legal requirements.

Step 5: Comparing Quotes

Once you receive quotes from different insurance carriers, compare them to make an informed decision. While cost is essential, don't overlook other crucial factors, such as the extent of coverage, customer service, and the claims process.

Step 6: Selecting Your Coverage

After a careful comparison, choose the workers' compensation insurance policy that offers comprehensive coverage at a fair price. Remember, obtaining workers' compensation insurance goes beyond fulfilling a legal obligation; it shows your employees that you value their well-being and are committed to their safety.

About Us

Where small businesses buy workers' compensation insurance. WorkCompOne is an online digital insurance agency that’s changing workers’ compensation insurance. By bringing together best practices in technology and insurance, we’ve built a simple, new way for businesses to secure workers’ compensation insurance online.

Founded in 2012, WorkCompOne offers coverage to small businesses nationwide through its easy online platform and partnership with leading national carriers. WorkCompOne is part of Custom Commercial Insurance Solutions. 

About Custom Commercial Insurance Solutions

Custom Commercial Insurance Solutions, formerly, is a digital first independent insurance agency focused on improving direct-to-consumer commercial insurance. Bringing together innovative technology and insurance products, CCiS offers coverage to businesses of all sizes through its easy online platform, best-in-class customer service, and partnerships with leading carriers.

Need more than work comp? Get all your business needs covered with CCiS:

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