Electrician insurance protects against:
- Accidents and injuries—such as electrocution, burns, and ladder falls (workers’ comp).
- Property damage—from tool misuse, drilling into pipes, or system overloads (general liability).
- Professional mistakes—such as faulty installations or miswiring (E&O).
- Stolen or damaged tools—whether in your van or on-site (equipment coverage).
- Auto collisions—while traveling between jobs (commercial auto).
