Electricians Insurance in Ontario
Comprehensive coverage designed specifically for electrical contractors and electricians. Protect your business, tools, and reputation with insurance that understands the unique risks you face.
Why Electricians Need Insurance
Working with electricity is one of the most dangerous jobs in construction. From troubleshooting electronic systems to repairing circuit breakers, each project presents unique risks for accidents, damages, or injuries.
Client Requirements
Most commercial and residential projects require proof of insurance before you can start work. Typically $1-2M in liability coverage is the minimum.
High-Risk Work
Electrical work carries inherent risks including fire hazards, electrocution, property damage, and third-party injuries. One mistake can lead to devastating consequences.
Expensive Equipment
Your tools and equipment represent a significant investment. Theft, damage, or loss can cripple your business without proper coverage.
Essential Coverage for Electricians
Comprehensive insurance packages designed specifically for electrical contractors and electricians.
Commercial General Liability (CGL)
Protects against third-party bodily injury and property damage claims. Covers medical fees, legal expenses, and settlements regardless of lawsuit outcome.
Recommended: $1-2M minimum coverage
Professional Liability (E&O)
Covers claims of negligence, errors, or omissions in your professional services. Protects you if clients claim your work didn't meet expectations or caused financial loss.
Essential for all electrical contractors
Tools & Equipment Insurance
Covers loss, theft, or damage to your tools and equipment whether you own them or they're in your care. Includes coverage for tools stolen from job sites or vehicles.
Protects your most valuable assets
Pollution Liability Insurance
Covers third-party claims for environmental damage, cleanup costs, and civil fines due to pollution events on job sites. Important for electricians working with hazardous materials.
Recommended for commercial projects
Commercial Auto Insurance
Required if you drive a vehicle for work purposes. Protects against third-party injury and damage, plus physical damage to your vehicle depending on coverage selected.
Mandatory for work vehicles
Installation Floater
Covers materials and equipment from the moment they're loaded onto transport until installation is complete. Protects copper, wiring, and other materials at job sites.
Essential for high-value installations
Real-World Claim Example
An electrician was contracted to upgrade the electrical panel in a client's home. While working, they inadvertently drilled into a water pipe, causing a significant leak. This incident led to water damage to the electrical systems, the client's property, and parts of the home's interior.
Insurance Company Paid
$74,000
Electrician Paid (Deductible)
$1,000
Without insurance, this electrician would have been personally liable for the full $75,000 in damages, potentially bankrupting their business. Their comprehensive insurance policy saved them from financial ruin.
Common Risks Electricians Face
Understanding the risks helps you choose the right coverage for your electrical business.
Electrical Fires
Faulty wiring, overloaded circuits, or installation errors can lead to fires causing extensive property damage.
Third-Party Injuries
Clients, visitors, or other contractors injured on job sites due to electrical hazards or accidents.
Property Damage
Damage to client property from water leaks, drilling errors, or electrical malfunctions during work.
Equipment Theft
Tools and equipment stolen from job sites, vehicles, or storage facilities can cost thousands to replace.
Professional Negligence
Claims that your work didn't meet code requirements, industry standards, or client expectations.
Environmental Damage
Pollution or contamination from hazardous materials used in electrical work requiring costly cleanup.
Frequently Asked Questions
Get answers to common questions about electricians insurance.
Ready to Protect Your Electrical Business?
Get a comprehensive electricians insurance quote tailored to your specific needs and projects. Our expert brokers understand the electrical industry and will help you find the right coverage at competitive rates.