ECN Electrical Forum - Discussion Forums for Electricians, Inspectors and Related Professionals
ECN Shout Chat
Top Posters(30 Days)
Potseal 11
Recent Posts
1913 American Electrician's Handbook
by annemarie1. 07/27/17 03:10 PM
600 KW 120/208 3 Phase Y protection
by Yooperup. 07/24/17 12:20 PM
Green House wiring
by ghost307. 07/20/17 09:10 AM
Permit Snafus...AHJs and Contractors Jump in
by HotLine1. 07/18/17 08:06 PM
New in the Gallery:
Housebilding DIY wiring
Popular Topics(Views)
239,371 Are you busy
174,826 Re: Forum
167,217 Need opinion
Who's Online Now
0 registered members (), 49 guests, and 4 spiders.
Key: Admin, Global Mod, Mod
Previous Thread
Next Thread
Print Thread
Rate This Thread
Page 1 of 2 1 2
#50349 - 03/31/05 12:29 AM liability insurance requirements  
mj  Offline
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

#50350 - 03/31/05 07:24 AM Re: liability insurance requirements  
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.


#50351 - 03/31/05 09:12 AM Re: liability insurance requirements  
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


#50352 - 03/31/05 01:28 PM Re: liability insurance requirements  
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).]


#50353 - 03/31/05 10:29 PM Re: liability insurance requirements  
luckyshadow  Offline
Member
Joined: Jan 2005
Posts: 305
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)


#50354 - 03/31/05 10:34 PM Re: liability insurance requirements  
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.


#50355 - 03/31/05 10:35 PM Re: liability insurance requirements  
BobH  Offline
Member
Joined: Oct 2004
Posts: 135
Newfane, N.Y USA
Oh sorry. Upsate N.Y here.


#50356 - 03/31/05 11:11 PM Re: liability insurance requirements  
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.


#50357 - 04/01/05 07:42 PM Re: liability insurance requirements  
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.


#50358 - 04/01/05 11:01 PM Re: liability insurance requirements  
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.


Page 1 of 2 1 2

Member Spotlight
Attic Rat
Attic Rat
Bergen Co.,N.J. USA
Posts: 524
Joined: December 2003
Show All Member Profiles 
Featured:

2017 Master Electrician Exam Preparation Combos
2017 NEC Electrician
Exam Prep Combos:
Master / Journeyman

 

Shout Box
Powered by UBB.threads™ PHP Forum Software 7.6.0
Page Time: 0.018s Queries: 15 (0.004s) Memory: 0.8162 MB (Peak: 0.9904 MB) Zlib enabled. Server Time: 2017-07-28 10:59:55 UTC