Workers’ Compensation for Electricians

Finding a company that understands the workers’ compensation needs of electricians can feel like a lights-are-on-but-nobody’s-home scenario. You need a workers’ comp provider that has your back, like a generator when the lights go out.
You may be prepared to handle any electrical issue affecting your clients, but are you prepared if an employee gets injured on the job? 

As the owner of an electrical company, you’ve invested in yourself and your business. You’ve likely invested in specialized equipment to support your team in getting the job done well. Don’t risk all the time and effort you’ve put into creating a successful company by not having the right workers’ comp policy, and especially not having workers’ compensation at all.

Workers’ Comp for Electricians Is a Business Essential

Electricians encounter a myriad of job-related injuries. While safety protocols and training can help prevent injury, there is always the risk of work-related accidents resulting in injuries. You’ll want to be prepared for whatever the current carries, without it costing your business significant dollars self-covering a workers’ compensation claim. Workers’ comp not only helps keep your workers afloat if they are injured on the job, but it also helps to ensure a continued bright future for your small business

As the owner of an electrical company, you know how important it is to prevent electric hazards before they spark into fires, potentially taking down entire buildings. The same goes for your business, figuratively. Even seemingly small workplace injuries can turn into an all-consuming fire of legal and medical expenses. Having the right workers’ comp policy is akin to having the fire suppression systems to extinguish any fires caused by on-the-job injuries. Some of the most common injuries experienced by electrician employees are:

  • Burns
  • Shock
  • Falls
  • Lacerations

Consider this — If an employee becomes injured by a faulty outlet or unsecured infrastructure, can you afford a VIP trip to the emergency room and ensuing hospital expenses? Will you be able to supplement income until you or the employee is healthy and ready to return to work? Most small business owners and independent electricians don’t have pockets deep enough to accommodate these types of expenses without feeling tremendous financial strain. That’s partly why workers’ compensation exists. It’s a win-win for injured electricians and the businesses for which they work. Not to mention, workers’ comp is typically required by law in most states. To see what your state’s requirements for workers’ comp are, click here.

But keep in mind that workers’ compensation doesn’t cover all injuries — only those that occur on the job or as a direct result of a worker doing their job. For example, if an electrician is headed home and gets into a car accident, workers’ comp will likely not cover related expenses. However, if the electrician’s job requires them to travel to clients’ homes and they get into an accident between appointments, workers’ comp may cover those damages. Workers’ comp won’t cover injuries that are a result of drug or alcohol use, fighting, or violating workplace policies. 

Workers’ Comp Claims Process For Electricians

In order to reap the benefits of your workers’ comp policy, you and your employees will have to follow the workers’ comp claims process. What is the claims process? Simple steps that must be followed to ensure the claim is filed and processed correctly. To read more about the claims process, click here

Workers’ Comp as a Risk Management Tool

Whether you own an electric business with employees or you are a one-person show, there are many risks electricians face every day when it comes to workplace injuries. Falls, flash burns, exposure to asbestos, strains from repetitive stress, and electrocution are all potential hazards. Regulations and specialized equipment help minimize on-the-job risks to electricians. However, it’s simply impossible to predict or foresee every work injury when it comes to the electric business. But, you can protect yourself, your business, and your team with an insurance policy that can provide coverage for: 

  • Emergency medical care, including ambulance services, emergency room visits, and medical treatments
  • Continuing medical care, including primary care physician visits, medication, rehabilitation, and physical therapy
  • The temporary loss of income

Workers’ comp is legally required in almost every state. You can find out more about your state’s workers’ comp requirements to see if you are legally required to carry insurance. Not having workers’ comp insurance can lead to legal entanglements down the road if you are found to be in violation of your state law’s compliance agreements. You don’t want to face legal and financial penalties on top of potential injury-related expenses for not providing electrical workers’ comp. 

The legal risk of not having workers’ comp aside, this insurance type just makes good business sense. It ensures business continuity even if an employee is injured on the job, and sends the message to your electricians that your company cares about their wellbeing. 

Cost of Workers’ Comp Insurance for Electricians

Budgeting for workers’ comp is a necessary part of running a successful business. But you may be wondering: How much does workers’ comp cost for electricians? There is no one-glove-fits-all answer to the question. A multitude of factors unique to your business come into play. These include where your business is located, how many employees you have, and what the total wages are for your business.

Implement risk management strategies according to industry regulations, provide safety training for employees, and issue protective equipment to show your team that you take safety seriously. Insurers tend to favor businesses that prioritize safety and have a low history of claims. Risk mitigation helps your electric business accomplish both. 

Getting Workers’ Comp For Electricians

If you’re sold on getting workers’ comp for your electrician business, great! But you might be wondering, “How do I start?” Begin by finding a workers’ comp provider that is licensed to do business in your state. There are many options available from private insurers who can offer comprehensive coverage at a great price.

Not Your Average Workers’ Comp Provider

Work smarter — not harder — when it comes to choosing a provider of workers’ comp for electricians. We provide hassle-free, trustworthy service backed by over 100 years of experience. When it comes to workers’ comp provisions for electrical businesses, we know what we’re talking about.

Cerity will keep your business running as smoothly as an uninterrupted circuit. Requesting a quote estimate takes roughly three minutes. Using proprietary tools and modern technology, we provide electricians and electric companies like yours with quick quotes and instant coverage. 

Check out our workers’ compensation quote tool to get a free online quote and see how Cerity does workers’ comp insurance differently.

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The information provided is intended to provide a general overview. This information is not legal advice and should not be relied on as such. Cerity® makes no warranties for the accuracy, adequacy, or completeness of the information provided, and will not be responsible for any actions taken based on the information contained herein. If you have legal questions or need legal advice, please consult an attorney.