The Electrical Contractor Network

ECN Electrical Forum
Discussion Forums for Electricians, Inspectors and Related Professionals

Books, Tools and Test Equipment for Electrical and Construction Trades

Register Now!

Register Now!

We want your input!


2017 NEC and Related
2017 NEC
Now Available!

Recent Posts
Parking lot pole light swap....
by gfretwell
10/24/16 08:46 PM
International Wire Colour Codes
by Tjia1981
10/23/16 12:08 PM
Son of Sparky
by HotLine1
10/20/16 07:43 PM
Speaking of Plugmold ...
by gfretwell
10/17/16 02:37 PM
Broken battery charger? Check for cobwebs!
by gfretwell
10/17/16 02:30 PM
New in the Gallery:
12.5A through 0.75mm˛ flex (just out of curiosity)
Shout Box

Top Posters (30 Days)
gfretwell 14
HotLine1 7
ghost307 7
renosteinke 6
Potseal 4
Who's Online
0 registered (), 259 Guests and 5 Spiders online.
Key: Admin, Global Mod, Mod
Topic Options
Rate This Topic
#190026 - 11/03/09 03:56 PM Insurance Companys
Tick Offline
New Member

Registered: 02/09/09
Posts: 2
Loc: Colorado
I love insurance companies! They weren't sure about liability insurance for an electrical company when I first started which should have been my first clue. My insurance company is questioning the jobs I do which right now is mostly service work. What class codes are other electricians using for their insurance. My insurance company is telling me I can only do electrical work within buildings 92478. I don't know about anyone else but I do work outside:) So every job I need a certificate for they ask what I am doing for them.
I have never filed a claim before either so I am not sure why they would even question. Does anyone else get questioned?
And I am not allowed to touch a foot on any airport property. I had to give up a job to a company from two hours away cause I was not allowed to work on our very rural airport that gets maybe a flight a week!

Business, Office, Estimating, Legal:
#190033 - 11/03/09 06:02 PM Re: Insurance Companys [Re: Tick]
renosteinke Offline
Cat Servant

Registered: 01/22/05
Posts: 5305
Loc: Blue Collar Country
Tick, the best thing you can do right now is go to most any trade association for contractors ... be it ABC, AGC, "Builders Assoc of East Undershirt, Pa," whatever, and ask them who they reccomend for insurance. Indeed, they may have reduced rates available for association members.

The main thing is that not every insurance agency is familiar with construction, or contracting, and the agent does not understand your needs.

#190034 - 11/03/09 06:07 PM Re: Insurance Companys [Re: Tick]
leland Offline

Registered: 08/20/07
Posts: 856
Loc: Lowell area, Ma. USA
I've not been asked. i call and have a certificate faxed to whom ever and done.

The customers always ask. most have a minimum level of coverage.Plus vehicle coverage if on their property.
I carry $2 mil/4 mil ag. that covers every job I've done.
'Completed work' coverage is the most missed option I see with guys around here. but thats what you pay for.

Now I know why their rates are less than mine.


ECN Electrical Forums - sponsored by Electrical Contractor Network - Electrical and Code Related Discussion for Electrical Contractors, Electricians, Inspectors, Instructors, Engineers and other related Professionals