Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Electrical work carries a low frequency of claims and a high severity when one happens. A fire traced back to your panel work is a different conversation from a cracked tile, and the policy has to be built for that.
At a glance
The four policies
General liability
Harm to other people and their property. The one every job site asks for.
Commercial auto
The truck or van, because a personal policy excludes business use.
Workers compensation
Required in Arizona from your first employee. ARS 23-902.
Tools and equipment
Inland marine. Not covered by the auto or the liability policy.
Bring to the quote
Your ROC license number and a description of the work you actually do.
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Start here
The four policies are the same as any trade, but the weighting is different. For an electrical contractor the general liability limit and the completed operations coverage carry more of the load, because the claim that matters is a fire, and a fire does not confine itself to the work you performed.
Completed operations is the coverage to check first. Faulty work claims frequently surface long after the job is signed off, and they surface as a total loss rather than a repair. That combination is why the aggregate limit deserves a real conversation rather than the default on the quote.
Commercial auto and tools are the everyday policies. Testers, meters, benders, wire pullers and a van full of stock represent a lot of value sitting in a driveway overnight. Workers compensation covers the crew, and Arizona requires it from the first employee.
The four policies
Same four names for every trade. What differs is which one fires, and how hard, in your line of work.
602-480-6453Electrician
Declarations
General liability
Fire and faulty-work claims are the electrical exposure, and they usually arrive after the job is finished.
Products and completed operations coverage is what answers then, and the aggregate limit is what decides whether it answers fully.
Commercial auto
The van, the stock inside it and your liability on the road.
Personal auto policies exclude business use, so a service van belongs on a commercial policy.
Workers compensation
Required from your first employee under ARS 23-902.
Electrical crews work at height, in attics and around energised equipment, which is a combination carriers rate carefully and price honestly.
Tools and equipment
Testers, meters, benders, wire pullers, hammer drills and the stock in the van.
None of it is covered by the auto policy or by general liability. Inland marine follows the tools rather than the vehicle.
Illustration of how a declarations page is laid out. Not a real policy.
Your exposure
An electrical contractor is buying one policy for a rare and severe event, and three for the ordinary running of the business.
The rare and severe one is general liability with completed operations. Look at the aggregate limit and ask what a total loss on a residential job would do to it. If the answer is that one claim exhausts the year, that is worth changing.
The other three are about not losing money on a Tuesday: the van, the crew and the tools. Those are the claims you will actually file.
The truck in the middle is the business. Each label is a separate policy, and none of them covers what the others do.
In their words
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“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
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I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
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Every review above is quoted in full from Google or Facebook. Read all of them.
What limits do electrical contractors usually need?
Start with what your contracts require, then look at the severity of a realistic worst case in your trade. Because an electrical claim can be a total loss rather than a repair, the annual aggregate deserves as much attention as the per-occurrence limit.
Does general liability cover faulty workmanship?
Coverage for damage arising out of your completed work depends on the products and completed operations coverage and on the specific policy wording and exclusions. It is not universal and it is exactly the clause worth having read before you buy on price.
Do I need workers comp if my only helper is family?
Family members who are employees are still employees for these purposes. Arizona Revised Statutes 23-902 turns on regular employment in the business, not on the relationship. Ask before assuming an exception applies.
Are my testers and tools covered in the van overnight?
Under an inland marine tools and equipment policy, yes, including theft from the vehicle. Under the commercial auto policy alone, no. Vans get broken into and this is the coverage that responds.
I subcontract to a general contractor. What will they ask for?
Typically a certificate showing general liability and workers compensation at specified limits, often with additional insured status and sometimes a waiver of subrogation. Send us the requirements page and we will make sure the policy actually supports the wording, not just the certificate.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options for your business. Commercial auto, general liability, workers comp and a business owners policy can all sit with one local agent in Peoria, AZ.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.Service area
We write electrician insurance in Arizona for contractors across the West Valley. Electrical contractor insurance in Arizona has to be read for its completed operations wording rather than bought on price, because electrician liability insurance is a low frequency and high severity line. Electrical contractor insurance in Peoria starts with your ROC number and the contracts you are signing.
Get a commercial quote
Tell us about the business. We compare several carriers and call you back with options.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Call us. On electrical work that number matters more than the monthly premium does.
