416 588 5273Electrician Liability Insurance
Being an electrician can be dangerous, particularly for those working on power lines or with electrical utilities. In Ontario, electricians and electrician apprentices accounted for 23% of all occupational electrical-related fatalities over the last 10 years. Beyond on-site injuries, electrical contractors are at risk of third-party liability claims or costly property damage that can occur while on the job.
This makes an electrician contractor insurance policy crucial. The right combination of electrician liability insurance, tool coverage, and commercial auto protection safeguards businesses from expensive claims, accidents, and unforeseen incidents.
KASE Insurance is an award-winning commercial insurance brokerage in Ontario. Our team specializes in crafting custom policies for electrical contractors in Toronto and across the province. Contact us today for a free quote.
What Is Electricians’ Insurance?
Electricians’ insurance, also known as electrical contractor insurance, protects electricians from the unique risks of their trade. This specialized package is essentially commercial general liability insurance coverage for electricians, shielding professionals and business owners from legal costs, third-party claims, equipment damage, and job-site accidents.
Why Is Electrical Contractor Insurance so Important?
Even experienced electricians face unpredictable risks on every job site. Electrician liability insurance ensures your business is financially protected in the event of accidents, maintaining stability, safety, and the long-term security of your operations.
Financial Protection
Covers legal fees, medical expenses, and repair or replacement costs if a third party suffers injury or your electrical work damages a client’s property or structure.
Risk Management
Even with training and safety equipment, accidents can occur. Insurance protects your business if improper wiring or installation leads to damage, electrical failure, or future system issues.
Client Confidence
Demonstrates professionalism and reliability to clients, assuring them that projects are protected against unexpected risks.
Compliance and Coverage
Meets contract requirements and provides tailored protection for electricians and subcontractors working in residential, commercial, or industrial settings.
Complete Coverage Options for Electrical Contractors
An electrician insurance policy provides tailored protection for contractors, helping manage costs and safeguarding the business.
Commercial General Liability (CGL)
If a client, employee, or bystander suffers an injury related to your work, liability coverage protects your business against medical expenses, legal fees, and settlements. For example, a client trips over your extension cord on-site and is injured.
Tools & Equipment Insurance
This type of coverage protects the portable electrical tools, testing devices, ladders, and other essential equipment your business relies on. It reimburses you for loss, theft, or accidental damage so you can get back to work quickly.
Installation Floater Insurance
Installation floater coverage protects electrical materials, components, and supplies while being transported, stored, or awaiting installation. It ensures your project materials are covered from loss or damage before work is complete.
Commercial Auto Insurance
Commercial auto insurance covers service vans, trucks, or fleet vehicles used to transport tools, materials, and staff. It provides liability, collision, and comprehensive protection for vehicle-related accidents, theft, or damage.
Contractors Property Insurance
Commercial property insurance covers the offices, storage units, and warehouses electricians use to house tools, inventory, and equipment. It protects against fire, theft, and other insured losses affecting your business property.
Umbrella Liability Insurance
Umbrella liability insurance adds an additional layer of liability protection above your existing policy limits. It’s ideal for electrical contractors working on larger commercial or industrial projects with higher exposure.
Professional Liability Insurance (E&O)
Professional liability insurance protects electricians against claims of errors, omissions, or negligent workmanship. It covers legal fees and damages if your advice, planning, or electrical design work results in financial loss for a client.
Who Needs Electrician Insurance?
Any professional working with electrical systems should be equipped with comprehensive electrician insurance coverage. This includes:
Solo electricians handling installs, repairs, and service calls need general liability insurance to protect from everyday job-site risks.
Contractors overseeing residential or commercial projects require coverage for liability and equipment exposures.
Electricians working in homes, offices, or retail spaces face property damage and bodily injury risks daily.
Industrial electricians managing high-voltage systems must protect against complex, high-risk exposures.
Technicians performing diagnostics or repairs need liability insurance policy coverage for accidental damage or injury.
Companies with multiple electricians require comprehensive coverage for staff, tools, and operations.
Does Electrician Insurance Cover Subcontractors?
Electrician insurance may cover subcontractors, but it depends on how your policy is structured and whether those subcontractors are listed or qualified under your coverage. If a subcontractor is uninsured or not properly documented, any claim involving their work may not be covered under your policy.
To stay fully protected, KASE Insurance can help you set clear subcontractor requirements, review certificates of insurance, and make sure your policy is structured to minimize gaps or unexpected liability.
Why Choose KASE Insurance for Electricians’ Insurance?
KASE Insurance understands the complex risks electricians face on residential, commercial, and industrial projects. Our brokers specialize in electrician liability insurance, offering tailored coverage built around your job sites, equipment, and daily operations.
We work with top Canadian insurers to secure competitive rates and ensure you’re fully protected, from liability claims to tool theft. With expert advice, fast quoting, and hands-on claims support, KASE delivers insurance solutions built for electrical professionals.
Read what clients have to say about KASE
By far the most professional and trustworthy insurance brokerage I have known. We have been working with this firm for number of years now and I have nothing but good to say about their team and services. Stan and his team won't stop until we are fully satisfied. They are always on top of things, super fast in their assistance and very professional. I highly recommend this firm to anyone seeking for great insurance brokerage to work with. Big Thank You to Stan and Kase Insurance for many many years of great service!
Reviewer: Alex K
out of 5 stars
Stan and is team at KASE Insurance have been fantastic in explaining what insurance we needed for our business. Very hands on approach and detailed. I work highly recommend KASE Insurance for any business owner looking for great service.
Reviewer: Kyle Grooms
5 out of 5 stars
The KASE team is very easy to work with. They answer your questions quickly, walk you through the process patiently, and find you great rates. We've been working with them for a few years and we haven't felt the need to shop elsewhere because of their customer service.
Reviewer: Sasha Boersma
5 out of 5 stars
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