Monthly Archives

October 2017

What You Need to Know About Electrical Contractors Insurance, what you need to know about electrical contractors insurance

What You Need to Know About Electrical Contractors Insurance

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Whether you are an independent electrician or a contracting company that employs electrical workers, here’s what you need to know about electrical contractors insurance.

Everyone knows that electricity is dangerous and that’s why it’s so important that electricians or businesses that employ electricians have the right coverage to protect them.  Thinking about getting coverage for yourself or your electricians?  Here’s what you need to know about electrical contractors insurance.

What is covered by electrical contractors insurance?

Electrical contractor’s insurance provides protection against the risks associated with the electrical business.  Generally, electrician insurance includes three main components: property damage coverage, general liability, and workers compensation.  Property damage coverage protects any space that you rent or own.  Additionally, you can add an endorsement that protects your tools and equipment.  General liability protects you if your work actions cause injury or property damage to a third party.  Finally, workers compensation will cover your employees if they are injured or get sick on the job.

What are some other insurance options for electricians?

If your electrical workers need additional coverage, there are other coverage options available.  For instance, adding equipment breakdown insurance will protect your business if you experience mechanical issues that set you back.  Another coverage option you might want to consider is business income insurance.  This type of insurance will protect your income if there are disruptions that halt work.  These are just a few of the many customizable coverage options that you should consider to keep your electricians safe.  Contact your insurance provider to discuss your specific risks and your various coverage options.

Electricians are constantly at risk for work dangers and other professional hazards.  So, make sure they have the coverage they need to stay safe.  After learning what you need to know about electrical contractors insurance, make sure you have the right insurance team to get your business the coverage you need.  Contact Contractors Insurance Agency to get you and your business the coverage it needs.

Why You Should Invest in Workplace Health and Safety Training, employees need workplace health and safety training

Why You Should Invest in Workplace Health and Safety Training

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These reasons should convince you that your employees need workplace health and safety training. 

Many small business owners think that safety training is a drain on company time and resources.  However, a workplace accident can happen at any time and can be a costly disruption to your business’s operations.  One way to prevent a costly workplace accident is to have a good employee training program.  Still not convinced?  Here are more reasons why your employees need workplace health and safety training.

1) Risk is everywhere

Unfortunately, all businesses have some risk of an accident.  Even if you are not in a dangerous line of work , your employees still face some level of risk.  Even an office worker could slip in a puddle and break his arm.  A good workplace safety training program would inform your employees about the potential threats they face and teach them how to minimize their risks.

2) Safety training creates positive work environments

Another reason to invest in workplace health and safety raining is that it can create a more positive work environment.  Offering a safety program shows your employees that you are invested in them and that you genuinely care about their wellbeing.  When businesses invest in their employees, their employees work harder and stay dedicated to the company longer.  So, offering employee safety training will not only keep your employees safe, but it might increase your business’s productivity as well.

3) It can help you avoid a worker’s compensation claim or lawsuit

Safety training can help reduce the number of workplace accidents; this in turn, will reduce the number of worker’s compensation insurance claims.  Additionally, employee safety training can also help you minimize your risk for a lawsuit filed by an employee who is injured on the job.  Also, by offering a good training program to your employees, you will have a better legal defense if an injured employee ever tries to sue you for negligence.

Hopefully these reasons why your employees need workplace health and safety training have convinced you that offering training is a worthwhile investment.  Another good investment?  Having the right insurance to keep you, your employees, and your business safe.  To find the coverage your business needs, contact the experts at Contractors Insurance Agency.  Our dedicated team has you covered.

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