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liability insurance requirements #50349
03/30/05 11:29 PM
03/30/05 11:29 PM
M
mj  Offline OP
Member
Joined: Jun 2002
Posts: 186
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 .

Work Gear for Electricians and the Trades
Re: liability insurance requirements #50350
03/31/05 06:24 AM
03/31/05 06:24 AM
S
Steve Miller  Offline
Member
Joined: Aug 2001
Posts: 325
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.

Re: liability insurance requirements #50351
03/31/05 08:12 AM
03/31/05 08:12 AM
E
Electric Ian  Offline
Member
Joined: Feb 2004
Posts: 133
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

Re: liability insurance requirements #50352
03/31/05 12:28 PM
03/31/05 12:28 PM
D
DougW  Offline
Member
Joined: Jun 2003
Posts: 1,143
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).]

Re: liability insurance requirements #50353
03/31/05 09:29 PM
03/31/05 09:29 PM
L
luckyshadow  Offline
Member
Joined: Jan 2005
Posts: 315
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)

Re: liability insurance requirements #50354
03/31/05 09:34 PM
03/31/05 09:34 PM
B
BobH  Offline
Member
Joined: Oct 2004
Posts: 135
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.

Re: liability insurance requirements #50355
03/31/05 09:35 PM
03/31/05 09:35 PM
B
BobH  Offline
Member
Joined: Oct 2004
Posts: 135
Newfane, N.Y USA
Oh sorry. Upsate N.Y here.

Re: liability insurance requirements #50356
03/31/05 10:11 PM
03/31/05 10:11 PM
E
Electric Eagle  Offline
Member
Joined: Apr 2002
Posts: 914
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.

Re: liability insurance requirements #50357
04/01/05 06:42 PM
04/01/05 06:42 PM
B
BobH  Offline
Member
Joined: Oct 2004
Posts: 135
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.

Re: liability insurance requirements #50358
04/01/05 10:01 PM
04/01/05 10:01 PM
E
Electric Eagle  Offline
Member
Joined: Apr 2002
Posts: 914
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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