Complete our Iowa Electrical Contractors Insurance quick quote form or call 952-469-0425.
Iowa Electrical Contractors Insurance – Electrical contractors are professionals in their field; working with electricity is both risky and scary. You are an experienced electrical contractor. However, there are times when things could go wrong. Electrical contractors can make a miscalculation and cause overwhelming property damage and bodily injury. Clients who experience negligence can sue. Be sure and buy comprehensive electrical contractors insurance plan. Electrical contractors can protect their business from costly liabilities and damages.
Not only does your insurance plan need to be comprehensive, but it also needs to be low cost. Contact Iowa Contractors Insurance today at 952-469-0425! Our independent insurance agency specializes in contractor’s insurance. We offer Insurance plans for all types of Iowa contractors. We shop multiple insurance companies and match you up with the best fix—the best fit for your growing electrical contracting business. We have been doing this for many years, so we know which policies suit your business. Perhaps you are an Iowa independent contractor just starting. Maybe you have an established electrical contracting company. Either way, we can make recommendations on the types of coverage you should purchase. Plus, we give you a choice in insurance companies. Some of those coverages are, but not limited to:
Commercial General Liability Insurance – General liability insurance covers your business or your workers should they be sued or found liable for the following types of claims:
- Damage to other people’s properties
- Bodily injuries and deaths
- Advertising and personal injury
Commercial general liability insurance will also cover the cost of the damages and losses incurred in the event. This insurance can cover the cost of your legal defense and medical fees. Electrical contractors need protection for your premises, products, operations, and completed operations.
Commercial Property Insurance – Commercial property insurance helps cover your business property if it encounters a disaster. This insurance will cover the loss or damage of the following should a fire or other covered peril arise:
- Other people’s properties
- Business personal property & equipment
- Furniture and fixtures
- Building or structure
Workers’ Compensation Insurance – Workers’ compensation insurance is required by Iowa law in most cases. If you own an electrical contracting company, it is only fair to provide your employees with complete workers’ compensation. Working with electricity is dangerous business, so it is good to reassure your employees that they and their families are financially secured if an accident happens on the job. Iowa workers compensation insurance offers several benefits, which are:
- Income benefits
- Medical benefits
- Burial benefits
- Death benefits
- Vocational rehabilitation benefits
Equipment and Tools Insurance – Equipment and tool insurance covers the cost of replacement and repairs for all your gear. Though commercial general liability already protects your tools to a certain degree, it does not offer ideal coverage.
Commercial Auto – should any of your commercial vehicles meet an accident while in transit, commercial auto insurance to cover the following incidents:
- Liabilities resulting from damage to another person’s property, injury, or death
- Damage from collision
- Damage from non-collision (e.g., vandalism, theft, and other perils)
- Personal or medical payments of the insured
- Injury or property damage caused by hit-and-run motorists or the uninsured
Apart from these essential policies, Iowa Contractors Insurance can include other kinds of insurance to your plan. We can add bonds or even a business owner’s policy if you are looking to secure your company even further.
Contact Us for Electrical Contractors Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City