Electrical Contractors Insurance
Workers Compensation Insurance
for Electrical Contractors
Electrocution, arc flash, falls from ladders, and burns are the most severe risks facing electrical workers. Workers compensation is legally required for electrical companies with employees and covers all medical costs and lost wages resulting from these and other on-the-job injuries.
Industry-Specific Insight
Why Electrical Contractors Businesses Need Workers Compensation Insurance
Electrocution, arc flash, falls from ladders, and burns are the most severe risks facing electrical workers. Workers compensation is legally required for electrical companies with employees and covers all medical costs and lost wages resulting from these and other on-the-job injuries.
Coverage Details
What Workers Compensation Insurance Covers
Key protections included in a workers compensation policy for electrical contractors operations.
FAQs
Common Questions from Electrical Contractors Businesses
Are electrical apprentices covered by workers comp?
Yes. All employees on payroll — including apprentices — are covered by workers compensation regardless of their level of experience.
Does workers comp cover an electrician injured by an arc flash?
Yes. Arc flash injuries, burns, and shock injuries are all covered by workers compensation. OSHA also requires specific arc flash safety programs for electrical workers.
Is workers compensation required?
In most states, yes — businesses with one or more employees are required to carry workers comp. Requirements vary by state and sometimes by industry or number of employees. A licensed agent can clarify what applies in your state.
What happens if I don't carry workers comp and an employee is injured?
You could be personally liable for the employee's medical costs and lost wages, face significant fines, and be exposed to a lawsuit. The financial and legal exposure of operating without required coverage is substantial.
Complete Coverage
Other Coverages Electrical Contractors Businesses Commonly Need
A complete protection plan for electrical contractors operations typically includes several complementary coverages.
Electrical Contractors · Workers Compensation
Get Workers Compensation Coverage for Your Electrical Contractors Business
Our licensed agents specialize in electrical contractors insurance. We compare options from 96+ carriers to find the right workers compensation coverage at a competitive price.