Electrician Insurance in Colorado
We provide electrician insurance solutions to businesses in Colorado and beyond.
Electrician Insurance at The DeLuca Agency and Denver Insurance Brokerage Inc
What is electrician insurance?
Electrical work comes with some obvious risks, not to mention the routine risks like theft, fire, and vehicle accidents that many businesses face. To help Colorado electricians protect their businesses, there’s electrician insurance.
Electrician insurance provides tailored coverage for electricians and electrical contractors. Policies usually come with multiple property and liability coverages, protecting against a range of risks.
Who in Colorado needs to have small electrical business insurance?
Most electricians in Colorado should have small electrical business insurance. This generally includes self-employed electricians, electrical contractors, and small businesses doing electrical work.
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“I became a client of the DeLuca Agency when it bought my previous insurance agency. Fortunately, Caula Campbell-Frazier transferred with the company. She has been a delight to work with–always responds quickly, thoroughly and with a real desire to answer questions or assist you. I can’t say enough good things about her. You will not be disappointed.”
“I worked with Caula Campbell to renew my homeowners insurance, she was able to help me by pointing out a gap in my coverage and still was able to lower my premiums. I am enjoying my lower mortgage as a result of the lower escrow. Highly recommend.”
“The agency did a great job on finding better rates for me. The staff is very professional and resourceful. Thanks!”
Spoke with Gloria and she was very knowledge about my insurance needs. She guided me to consider options that are well within my budget and would greatly help my family when needed.
Spoke with Gloria and she was very knowledgeable about my insurance needs. She guided me to consider options that are well within my budget and would greatly help my family when needed.Had a great experience with the DeLuca Agency. We quoted with them one year and decided not to move forward because life got busy. But we decided to try again the next year and we were welcomed back without judgment for not having moved forward previously. The agent (Paige Brown) was very professional and extremely knowledgeable about the various companies, coverage, etc. They are able to cater to high end clients and it shows with their knowledge, thoroughness, and expertise. She spent a good amount of time answering our complex questions and informed us about things we never knew before that go deeper into insurance coverage. They have a nice range of products as well and seem to do what’s best for your unique situation.
Paige with The DeLuca Agency was a great help when I needed insurance recently. Highly recommend.
I have worked with the DeLuca Agency since moving to CO in 2019. Danielle Duffy is amazing and has always helped me out with any and everything I have needed. She goes above and beyond every single time I contact her. Beyond that, she is just an overall pleasant person!
We have been insured through The DeLuca Agency for over 2 years and find their customer service highly responsive. The Staff is extremely professional and knowledgeable. I highly recommend this agency for any of your insurance needs.
What insurance coverages do small electrical business policies come with?
Small electrical businesses may offer a variety of coverages. Options commonly include:
- General Liability Coverage: Might protect against third-party injuries or property damage resulting from basic (non-vehicle) accidents.
- Errors and Omissions Coverage: Might protect against injuries or damage resulting from mistakes that are made when advising customers (E&O).
- Commercial Umbrella Coverage: Might protect with additional liability coverage, in case a costly lawsuit exceeds another liability protection’s limit.
- Commercial Property Coverage: Might protect a small electrical business’s building, equipment and tools, and materials, with coverage normally in effect when these are at the business’s location.
- Inland Marine Coverage: Might protect electrical equipment, tools, and supplies when they’re being taken to and from job sites.
- Commercial Auto Coverage: Might protect work trucks or vans that a small electrical business owns.
- Business Income Coverage: Might protect against income losses that are caused by covered disasters.
Does small electrical business insurance cover electrical fires and faults?
Electrical small business policies often can be structured to cover electrical fires and faults that are the result of mistakes. Such coverage may be part of a policy’s errors and omissions coverage.
Electricians should confirm that coverage for these risks is included in a policy, however. An insurance agent specializing in electrician policies can confirm whether a particular policy’s E&O coverage would include electrical fires and faults.
Are small electrical businesses required to carry workers compensation?
Colorado state law generally requires that businesses with any employees carry workers compensation coverage. The coverage normally protects against workplace injuries, possibly paying medical costs and some lost wages if an employee is hurt.
Electrical businesses that have employees, therefore, should be prepared to get workers compensation coverage. It might be obtained as part of a small electrical business policy, or separately as a distinct insurance policy. Electricians who are self-employed and work alone might not need workers comp.
Do electricians need their own insurance policy when subcontracting?
Electricians who are hired as subcontractors should review their situation with an agent who understands electrician policies well. Sometimes electricians could be covered by a general contractor’s policy, but other times they might not be. A knowledgeable agent can review the situation, and then advise as to whether an electrician policy should be purchased.
Can small electrical business policies cover residential and commercial electrical work?
Yes, most of these insurance policies can cover both residential and electrical work. An experienced agent can make sure that a policy covers the various types of electrical work that a business does.
How much do electricians pay for insurance?
The cost of small electrical business policies varies, as premiums are based on many different factors. An electrician’s location, services offered, equipment used, vehicles owned, and claims history are just some of the details that can impact cost.
An independent insurance agent can help electricians compare custom quotes, to find out how much their insurance might be.
Where can electricians get electrician insurance?
If you’re an electrician in Colorado and need help with insurance, contact the independent insurance agents at The DeLuca Agency. Our agents have worked with many professionals in the trade, and we have the expertise necessary to help you find an electrician insurance policy that’ll protect your business well.
Get in touch with our team!
For questions or concerns, please contact our independent insurance agents.
CO Office
6021 S Syracuse Way Ste 207 Greenwood Village, CO 80111
Phone: 720.484.3732
MD Office
500 Redland CT Ste 106 Owings Mills, MD 21117
Phone: 410.521.6500
UT Office
13894 Bangerter Pkwy Ste 200 Draper, UT 84020
Phone: 810.639.0078
Email: steve@delucaagency.com