Electricity is a powerful force and your coverage should be too!
As an electrician, you work with one of the most deadliest forces on a daily basis: electricity.
All electricians, no matter your industry (commercial or residential) are constantly exposed to danger; one wrong move and your life is on the line. According to the Occupational Safety & Health Administration (OSHA), the leading causes of worker deaths on construction sites in 2013 were falls, followed by being struck by an object, electrocution, and caught-in/between equipment.
While you’re out on the field, connecting or installing electrical wiring systems, its part of your trade to avoid unnecessary risks that could cause damage, or physical harm. That’s exactly why it’s important to have electrical contracting business coverage that’s just as strong as the force you’re working with.
At Pettineo Insurance Agency, it’s our objective to identify and minimize our clients’ exposure to risk. We will help customize a policy to fit your electrical contracting business’ needs. Here are a few coverage’s to consider:
- Workers compensation: Workers comp provides lost wages if your employees become sick or injured in a work-related incident and are no longer able to work.
- Commercial auto insurance: Protects your cars, trucks, vans and specialized trucks and trailers utilized by electricians.
- Inland Marine Insurance: Being an electrician involves traveling to worksites. Inland marine insurance protects property in transit (tools and equipment) should they be lost, stolen or involved in an accident.
- General liability: Insurance designed to protect electrical contracting business owners and operators from a variety of liability exposures. Exposures could include liability arising from accidents resulting from the insured’s premises or operations, products sold by the insured, operations completed by the insured, and contractual liability. General liability usually covers these five areas:
- Bodily injury: Protection for when/if anyone is physically injured at your place of business, or if you, or an employee, are responsible for injury to a non-employee at a work site.
- Personal injury: Covers any damage to the reputation or rights of another person or business (for issues like slander, libel, copyright infringement, privacy, wrongful arrest etc.)
- Medical payments: Covers the medical expenses of someone injured on your property regardless of fault.
- Advertising injury: Covers any claims of loss by your customers due to a product or service you advertised.
- Products and Complete Operations: Provides protection in an instance where your product, or completion of a project has caused bodily injury and/or property damage.
- Excess Liability: Provides additional coverage beyond that of an underlying policy, including general liability, employer’s liability, and auto liability policies.
To learn more information about our electrical contracting coverage options, or if you have any other insurance needs, contact Pettineo Insurance Agency at 954-493-9424. We’ve been serving artisan contractors in South Florida for the past 30 years and are happy to help tailor an insurance plan just for you.
Pettineo Insurance Agency provides electrical insurance in Fort Lauderdale, Lauderdale-By-The Sea, Pompano Beach, Oakland Park, Boca Raton, Hollywood, Coral Springs, Tamarac, Sunrise, Hollywood, and all of South Florida.