Why it’s shockingly easy to get the best insurance for electricians!
Safe and secure connections. Across Canada, electricians know that clients count on them to fuse together perfectly and properly wired electrical systems. Work for electricians in Canada is incredibly varied. You may specialize in residential new builds and renovations, installing cables, maintaining systems for factories, hospitals and municipal infrastructure or you may work outdoors as a linesman.
The Canadian economy runs on electricity. This is why your work as an electrician plays a fundamental role in keeping our economy running. Every client you work with counts on your professional experience to ensure that residential, industrial and/or commercial wiring is expertly installed, maintained and repaired. On the job as a Canadian electrician, you are expected to:
- “Install, repair and maintain electrical systems.
- Conform to building codes and other regulations.
- Read, prepare or interpret blueprints and drawings.
- Prepare cost estimates and documentation for clients.
- Use, clean and maintain various equipment.
- Supervise apprentices or other workers.”1
We are proud to work with Canada’s top insurance companies. Experienced ALIGNED brokers connect clients with the very best coverage solutions and options in the Canadian commercial insurance marketplace.
This is why, together with Aviva Canada, we offer a simple and streamlined insurance solution – Aviva OnpointTM– a solution that’s built to meet the specific needs of Canadian electricians.
We invite you to get a quote with us now for your electrical contracting business.
If you want to secure the very best insurance for electricians in Canada, you’ve landed on the right page.
How Much is Insurance for an Electrical Contractor?
The cost of your insurance policy as an electrical contractor depends on many factors that impact your coverage limits and the types of insurance you purchase. Usually, insurance companies will look at how big your business is, how much revenue your business generates, your past insurance claims history, and the types of services you provide as an electrical contractor. The value of your business and how much equipment you have to operate your services are also important factors in determining the cost of your insurance premiums.
Electrical contractors’ insurance covers medical fees, legal defence fees, and compensation if there are claims and lawsuits. For example, if you break a client’s circuit and wiring system, your insurance policy can cover the cost of replacements, repairs, and compensation.
How Does Electrical Contractors’ Insurance Work?
Electrical contractors’ insurance is designed to protect you and your business from claims of injury or damage caused by your services. Working on electrical systems in a residential or commercial property involves risks because you could potentially damage your client’s belongings and other structural systems.
Electrical contractors’ insurance covers medical fees, legal defence fees, and compensation if there are claims and lawsuits. For example, if you break a client’s circuit and wiring systems, your insurance policy can cover replacements, repairs, and compensation.
What Type of Insurance Do Electricians Need?
General liability insurance is essential for any business to protect itself against third-party claims of injuries or property damage. For example, if a client sues for an injury caused during your services, your insurance policy can cover medical fees, legal defence fees, and compensation.
Your insurance policy can also provide compensation if your business is affected by an insured peril. Commercial property insurance compensates for repairs and replacement fees to your commercial assets and equipment if there is a fire, flood, theft, or storm. You can also buy business interruption insurance which provides compensation if your business can’t operate because of repairs.
Do Self-Employed Electricians Need Insurance?
Self-employed electricians should also have insurance to protect their business and personal finances. Some clients want to see that you have insurance coverage to ensure they are protected against the risks of hiring you. Insurance also protects your business from financial loss or accidents and errors, which could be costly if paid from your personal finances.
Hazards 101 | What are some common risks that electricians in Canada face on the job?
It doesn’t matter where you work, as a Canadian electrician you are exposed to risk as part of your day-to-day job. The Canadian Centre for Occupational Health and Safety notes that electricians should be to be aware of potential health and safety issues, such as:
- “Lead, solvents, solder, and other materials.
- Risk of fatal electrical shock.
- Risk of electrical burns.
- Working in confined spaces.
- Welding hazards, including UV radiation.
- Extreme temperatures.
- Risk of pain or injury from awkward positions, repetitive manual tasks, or lifting heavy objects.
- Moulds, fungi and bacteria.
- Risk of infection from bird or rodent droppings.
- Working at heights.
- Risk of eye injury from flying particles.
- Slips, trips and falls.
- Working with various hand tools, power tools and equipment.
- Shift work or extended workdays.
- Working alone.
- Possible exposure to asbestos.”2
Knowing how to spot and manage the health and safety risks that you could be exposed to is important.
What’s also important is getting the best electricians insurance possible for your electrical contracting business. This is why we’ve made it simple and easy to get an insurance policy for electricians in Canada. To get an insurance quote for your electrical business, just click or call us directly at 1-866-287-0448
Get ALIGNED | We can help you get the best insurance for electricians in Canada
Knowing that your electrical contracting business is well protected from the ground up is important. Thanks to our partnership with Aviva Canada, we are proud to offer Canadian electricians the best insurance policy and coverage options for all of their commercial business operations.
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Across Canada, ALIGNED Insurance brokers are on standby to deliver a truly seamless insurance experience. To get the process started for your electrical contracting business, you just need to reach out and contact us.
In fact, we can quote the best insurance for electricians in Canada. If you’d like to discuss your commercial insurance policy needs with us, you can reach us toll-free at 1-866-287-0448
Safety First! | What are some ways to manage risk as an electrician in Canada?
Licensed electricians in Canada know that working with electricity requires highly specialized expertise and significant concentration. The Canadian Centre for Occupational Health and Safety outlines safety tips for electricians and anyone who works near or with electricity. Here’s a sampling of general safety tips:
- “Inspect portable cord-and-plug connected equipment, extension cords, power bars, and electrical fittings for damage or wear before each use. Repair or replace damaged equipment immediately.
- Always tape extension cords to walls or floors when necessary. Nails and staples can damage extension cords causing fire and shock hazards.
- Use extension cords or equipment that is rated for the level of amperage or wattage that you are using.
- Always use the correct size fuse. Replacing a fuse with one of a larger size can cause excessive currents in the wiring and possibly start a fire.
- Be aware that unusually warm or hot outlets may be a sign that unsafe wiring conditions exists. Unplug any cords or extension cords to these outlets and do not use until a qualified electrician has checked the wiring.
- Always use ladders made with non-conductive side rails (e.g., fibreglass) when working with or near electricity or power lines.
- Place halogen lights away from combustible materials such as cloths or curtains. Halogen lamps can become very hot and may be a fire hazard.
- Risk of electric shock is greater in areas that are wet or damp. Install Ground Fault Circuit Interrupters (GFCIs) as they will interrupt the electrical circuit before a current sufficient to cause death or serious injury occurs.
- Use a portable in-line Ground Fault Circuit Interrupter (GFCI) if you are not certain that the receptacle you are plugging your extension cord into is GFCI protected.
- Make sure that exposed receptacle boxes are made of non-conductive materials.
- Know where the panel and circuit breakers are located in case of an emergency.
- Label all circuit breakers and fuse boxes clearly. Each switch should be positively identified as to which outlet or appliance it is for.
- Do not use outlets or cords that have exposed wiring.
- Do not use portable cord-and-plug connected power tools with the guards removed.
- Do not block access to panels and circuit breakers or fuse boxes.
- Do not touch a person or electrical apparatus in the event of an electrical accident. Always disconnect the power source first.”3
Additional electrical safety tips – including working near overhead power lines, preventing injuries, using power tools and ground fault circuit interrupters as well as a basic electrical safety checklist – can all be found here.
We’re 100% business! | Trust us to get the best insurance for electricians in Canada aligned.
Across Canada, ALIGNED team members exclusively focus on sourcing the very best commercial insurance options for our clients.
To help people make informed decisions about insurance options, we’re always adding great new content to our website about the most popular commercial coverages in Canada. Our insurance insights are relevant for any sized business, be it a small to a medium-sized organization or a major corporation.
If you want a dedicated commercial insurance broker, now’s the perfect time to get aligned.
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