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#50349 - 03/30/05 08:29 PM liability insurance requirements
mj Offline
Member

Registered: 06/10/02
Posts: 188
Loc: meriidian, ms
Does the AHJ require proof of liability insurance for licensed electrical contractors in your area ? if so ,want is the minimum amount of coverage required ? Presently,liability insurance is not required in my area, the board is considering a $500,000 minimum proof of insurance before any permits are issuesd. The only type insurance required now is a $5,000 preformance bond for to correct code violations .

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#50350 - 03/31/05 03:24 AM Re: liability insurance requirements
Steve Miller Offline
Member

Registered: 08/30/01
Posts: 322
Loc: Loudoun Cty, VA
In my home state (MD) we are not required to carry any insurance if you operate on a journeyman license. As soon as you pass the masters test and apply for the masters license you need to carry (I think) $500k liability. I say "I think" because it only cost me $350 yr for $1M and I carry that ($500k would cost me $300). The counties won't even issue the masters without proof of insurance and the state won't issue a statewide license until you have (at least) one county license (your base/home county).
FYI: even if I do no contracting and only have the masters to work for someone else I still need the insurance to get the masters.

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#50351 - 03/31/05 05:12 AM Re: liability insurance requirements
Electric Ian Offline
Member

Registered: 02/10/04
Posts: 132
Loc: MA, USA
MA - proof of liability insurance required (1M, I believe) before an electrical permit will be issued.
Exceptions are:
1. Permit issued to home owner for work on his/her own house (single family)
2. If home owner signs waiver

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#50352 - 03/31/05 09:28 AM Re: liability insurance requirements
DougW Offline
Member

Registered: 06/08/03
Posts: 1083
Loc: North Chicago, IL
North Chicago only requires $100k - $300k each for property damage and liability to get your license, but since many communities to the south (over the "green ($$$) line" ) require $500k- $1M, I got $1M/$2M for about $150 more/year.

Some communities require copies of insurance covereage from your agent, some just make a xerox of your license.

[This message has been edited by DougW (edited 03-31-2005).]

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#50353 - 03/31/05 06:29 PM Re: liability insurance requirements
luckyshadow Offline
Member

Registered: 01/04/05
Posts: 305
Loc: Maryland USA
Here in Maryland we are required to have 100K / 300K this is for property then liability. You only need this if your master's license is active. You can hold a Master's with no coverage as long as it is inactive. (No sense paying for insurance if the license is inactive)

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#50354 - 03/31/05 06:34 PM Re: liability insurance requirements
BobH Offline
Member

Registered: 10/16/04
Posts: 134
Loc: Newfane, N.Y USA
Most all the towns and cities around here require 300,000 minimum to get licensed and require insurance co. to list their name on the form. I wouldn't think about doing electrical or any type of contracting without insurance in todays sue-happy society, especially as a dba, in any town.

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#50355 - 03/31/05 06:35 PM Re: liability insurance requirements
BobH Offline
Member

Registered: 10/16/04
Posts: 134
Loc: Newfane, N.Y USA
Oh sorry. Upsate N.Y here.

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#50356 - 03/31/05 07:11 PM Re: liability insurance requirements
Electric Eagle Offline
Member

Registered: 04/20/02
Posts: 928
Loc: Alpharetta, GA
I don't know of any areas requiring insurance other than one jurisdiction requiring a code compliance bond. However I couldn't imagine doing this tye of work without at least a $1,000,000 liability policy. Most GC's won't hire you without liability and workmans comp also.

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#50357 - 04/01/05 03:42 PM Re: liability insurance requirements
BobH Offline
Member

Registered: 10/16/04
Posts: 134
Loc: Newfane, N.Y USA
Could someone explain exactly what a code compliance bond is? Not many areas around here require bonding so I'm not really familar. Thanks.

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#50358 - 04/01/05 07:01 PM Re: liability insurance requirements
Electric Eagle Offline
Member

Registered: 04/20/02
Posts: 928
Loc: Alpharetta, GA
Bob H, in our area a code compliance bond is something they make you buy for $100 a year to cover the a$$ of the AHJ. I've never heard of one being claimed on, but it is suposed to pay to correct code violations found years later. It's really a joke.

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