If you are an electrician, you may have wondered whether there is a specific type of electrician liability insurance, or whether general liability will do. Here is an explanation of what professional liability covers, and how it differs from general liability insurance.
While there is no policy specifically named electrician’s liability, professional liability coverage is tailored to the unique needs of the policyholder. It is also known as errors and omissions insurance because it protects you when someone claims you made a mistake. For an electrician, the incidents covered include things such as the following:
- Electrical shocks
- Breach of contract
General liability is less customized than a professional liability and is appropriate for anyone who works with the public. It is always a good idea to have it because you never know what kind of claim someone might bring against you, and the resulting bills you might have to pay. Types of incidents covered by general liability include the following:
- Injuries at your place of business or related to your equipment
- Copyright infringement
- Property damage
Discuss with your insurance agent the risks you face each day at your job. That way, he or she can help you select the liability coverages that best protect you.