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Why Maine Electricians Face Unique Insurance Challenges
Insurance for electricians is more than just a business expense—it's essential protection against the daily risks that come with working with electricity in Maine's demanding environment. From coastal weather in Wells and Kennebunk to the busy construction season in Ogunquit and Biddeford, electricians face unique challenges that require specialized coverage.
Essential Coverage Types for Maine Electricians:
- Commercial General Liability - Protects against property damage and bodily injury claims
- Workers' Compensation - Required by Maine law for businesses with employees
- Commercial Auto Insurance - Covers work vehicles and equipment transport
- Tools & Equipment Coverage - Protects expensive electrical tools and materials
- Errors & Omissions - Covers mistakes in electrical work or code violations
- Installation Floater - Protects materials during transport and installation
The electrical trade ranks among the most dangerous construction jobs, with significant risks of electrocution, burns, and fires. According to industry data, fire departments respond to approximately 32,000 home electrical fires annually, causing $1.2 billion in direct damage. For Maine electricians, these risks are compounded by harsh weather conditions, older coastal properties, and seasonal construction demands.
With 23,821 electrical contractors operating across North America and growing demand for skilled electricians, proper insurance isn't just smart business—it's often required by clients and state regulations. Most projects require proof of liability insurance, typically $1 million to $2 million in coverage, before work can begin.
Whether you're a solo electrician serving Wells and Kennebunk or running a larger operation across Southern Maine, understanding your insurance needs protects both your business and your livelihood.
Insurance for electricians terms to know:
Why Maine Electricians Need Coverage
Electrical work is dangerous business, and Maine electricians know it better than most. Every day, you're dealing with live wires, complex systems, and the very real risk of serious injury or property damage. The numbers tell the story—approximately 46 workers per week suffer non-fatal electrical injuries nationwide, and that's just what gets reported.
Here in Maine, the risks go beyond the obvious dangers of shocks and burns. Our coastal communities like Wells and Kennebunk present unique challenges that make insurance for electricians absolutely essential. Salt air doesn't just corrode your truck—it accelerates the breakdown of electrical components, making system failures more likely. Those charming older homes throughout Southern Maine? They're often hiding outdated wiring that can surprise even the most experienced electrician.
Maine's harsh winters add another layer of complexity. Frozen ground makes installations more difficult, and seasonal construction demands mean you're often working under pressure to complete projects before the weather turns. It's a perfect storm of risk factors that standard business insurance simply wasn't designed to handle.
The legal side of things isn't any simpler. Maine's OSHA requirements mandate specific safety protocols, and violations can hit your wallet hard with significant fines. Local ordinances in cities like Biddeford and Ogunquit may pile on additional requirements. Meanwhile, client contracts increasingly demand proof of insurance before you can even start work.
According to scientific research on electrical injuries, electrical work creates unique liability exposures that require specialized coverage. The tricky part? Many electrical problems don't show up immediately. A fire that starts weeks after your installation can still come back to haunt you legally and financially.
Common Claim Scenarios in Wells & Kennebunk
We've been helping Maine electricians steer insurance claims for years, and certain scenarios keep coming up. These real-world examples show exactly why insurance for electricians isn't optional—it's survival.
The hidden water pipe disaster happened to one of our clients during a rewiring project in an older Wells home. One misplaced drill bit hit a water pipe that wasn't on any blueprint. The resulting flood caused over $75,000 in damage throughout the house. Thanks to proper coverage, our client paid just a $1,000 deductible instead of facing bankruptcy.
Coastal winds can turn routine jobs deadly. We've processed several workers' compensation claims involving ladder falls during windy conditions in Kennebunk. Medical costs and lost wages quickly add up—one case totaled over $40,000. Without workers' comp coverage, that's money straight out of your pocket.
Tool theft is unfortunately common throughout Southern Maine. One contractor lost $15,000 in specialized equipment stolen from a Biddeford job site overnight. Tool and equipment coverage replaced everything quickly, keeping the business running without major disruption.
Delayed fire damage represents perhaps the scariest scenario. We've handled claims where faulty wiring caused fires in Ogunquit vacation homes months after installation. One total loss exceeded $500,000. Without errors and omissions coverage, that electrician would have faced financial ruin.
Coastal storms can wreak havoc on electrical systems and temporary installations. We've seen storm damage at construction sites throughout the region result in both property damage and business interruption claims, sometimes totaling hundreds of thousands of dollars.
These aren't hypothetical scenarios—they're real claims from real Maine electricians who were smart enough to have proper coverage when disaster struck. Contact us for insurance for Maine electricians.
Essential Insurance for Electricians in Maine
When it comes to insurance for electricians in Maine, think of your coverage like a well-designed electrical system—each component needs to work together to keep everything running safely. After helping hundreds of electricians from Wells to Biddeford protect their businesses, we've learned that the most successful contractors don't just buy insurance—they build comprehensive protection strategies.
The electrical trade presents unique challenges that standard business insurance simply can't handle. Between the risk of electrical fires, expensive tool theft, and Maine's unpredictable coastal weather, electricians need specialized coverage that understands their world. That's why we developed our Artisan Contractors Coverage, specifically designed for skilled trades like electrical work.
Our core insurance for electricians package includes commercial general liability as the foundation, workers' compensation to meet Maine's requirements, commercial auto for your work vehicles, and tools & equipment coverage to protect your valuable gear. We then add errors & omissions insurance for professional mistakes and installation floaters to cover materials during transport and installation. Finally, we round out the package with business interruption coverage to protect your income when unexpected events force you to stop working.
Each piece of this puzzle serves a specific purpose, but together they create a safety net that lets you focus on what you do best—keeping Maine's homes and businesses powered safely.
Commercial General Liability – cornerstone of insurance for electricians
Every electrician needs commercial general liability insurance—it's like having a good pair of safety glasses. You hope you'll never need them, but when you do, you'll be grateful they're there. This coverage protects you when someone gets hurt on your job site or when your work accidentally damages a customer's property.
Bodily injury protection covers medical bills, lost wages, and legal costs when someone gets injured because of your work. Picture this: you're rewiring a kitchen in Kennebunk, and the homeowner trips over your extension cord, breaking their wrist. Your liability insurance handles their medical expenses and any lawsuit that follows.
Property damage coverage is equally important. We've seen electricians face six-figure claims when their work caused fires or water damage. One contractor accidentally nicked a sprinkler line while running wire through a Biddeford office building. The resulting water damage exceeded $200,000, but his insurance covered every penny.
Legal defense costs can be devastating even when you're not at fault. Attorney fees alone often exceed $100,000 in electrical liability cases. Your liability insurance pays these costs whether you win or lose the case.
Most Maine electricians carry $1 million to $2 million in liability coverage. Many clients won't even let you start work without proof of at least $1 million in coverage. It's become the price of admission for serious electrical contractors.
Workers' Compensation & Maine Requirements
Maine doesn't mess around when it comes to workers' compensation—if you have employees, you need coverage. Period. The state requires virtually all businesses with workers to carry this insurance, and electrical contractors face some of the highest injury rates in construction.
Employee safety protection covers medical expenses and lost wages when workers get hurt on the job, regardless of who's at fault. Electrical work involves serious hazards—from shock injuries to falls from ladders. We've processed claims for everything from minor cuts to serious burns requiring extended hospital stays.
Payroll-based rating means your premium depends on how much you pay your workers and their job classifications. Electricians typically pay $1 to $2 per $100 of payroll, but this can vary significantly based on your safety record and the specific type of electrical work you do.
The good news? Maine's workers' compensation system works well for both employers and employees. Injured workers get the care they need, and employers get protection from costly lawsuits. Our Workers Compensation team can help you steer Maine's specific requirements and find the most cost-effective coverage.
Commercial Auto for Wells-to-Biddeford Service Vans
Your personal auto insurance has a dirty little secret—it doesn't cover business use. The moment you load tools in your truck or drive to a job site, you're technically uninsured. That's why every electrician needs commercial auto coverage for their work vehicles.
Fleet coverage makes sense when you're running multiple vehicles between job sites from Wells to Biddeford. We can insure all your vehicles under one policy, often saving money while simplifying your paperwork. Whether you're driving a single van or managing a fleet of service trucks, we've got you covered.
Hired and non-owned coverage protects you when employees use their personal vehicles for work or when you rent vehicles for specific jobs. This coverage has saved several of our clients from expensive claims when employee-owned vehicles were involved in accidents during work hours.
Roadway liability is crucial for electricians who spend significant time driving between job sites. Maine's winter roads can be treacherous, and accidents involving work vehicles can result in serious injury claims. Commercial auto insurance provides much higher liability limits than personal policies.
Errors & Omissions (Professional Liability) – insurance for electricians
Even the best electricians make mistakes—it's human nature. That's where errors and omissions insurance comes in, protecting you when professional mistakes lead to financial losses for your clients.
Design mistakes can be expensive. When an electrician miscalculates electrical loads for a new Ogunquit restaurant, the resulting system failures can shut down the business for weeks. E&O insurance covers the lost revenue and additional costs to fix the problem.
Code violations present another significant risk. Electrical codes change frequently, and what was acceptable last year might not meet current standards. When building inspectors find code violations, the cost to bring work up to standard can be substantial.
Inspection failures can haunt electricians long after a job is complete. When you miss a problem during a routine inspection and it causes damage months later, E&O coverage protects you from the resulting claims.
More clients are requiring proof of E&O coverage before awarding contracts, especially for larger commercial projects. It's becoming as essential as your license—a mark of professionalism that sets you apart from less-prepared competitors.
Added Protections & Endorsements
While the core insurance for electricians coverages handle most common risks, Maine's electrical contractors often need additional protections to address unique exposures in their trade. These specialized endorsements and separate policies can mean the difference between a minor business hiccup and a major financial disaster.
Surety bonds have become increasingly important for electricians bidding on public projects and larger commercial jobs. While technically not insurance, these bonds guarantee you'll complete work according to contract specifications. Many municipalities from Wells to Biddeford now require bonds for electrical work on public buildings.
Pollution liability coverage might seem unnecessary for electricians, but it protects against cleanup costs when electrical work involves materials that could cause environmental contamination. Even something as simple as a transformer leak can trigger expensive environmental remediation requirements.
Employee dishonesty coverage protects against theft by your workers—a real concern when your team has access to clients' homes and valuable property. We've seen claims where employees stole jewelry or electronics while working on residential projects in Kennebunk and Ogunquit.
Cyber liability insurance is becoming essential as electricians increasingly use digital tools, store customer information electronically, and accept credit card payments. A data breach can cost thousands in notification requirements and credit monitoring services.
Umbrella coverage provides additional liability protection above your primary policies. For electricians facing potential large claims, an umbrella policy can provide $1 million to $5 million in additional coverage at surprisingly reasonable rates.
When it comes to high-value equipment that should be specifically scheduled on your policy, think beyond basic hand tools. Specialized testing equipment like multimeters and oscilloscopes, conduit benders and threading machines, wire pulling systems, and boom lifts all represent significant investments that deserve proper protection.
Our Product Liability coverage can also be crucial for electricians who sell electrical products or equipment as part of their services, protecting against claims when those products cause injury or damage.
Tools & Equipment Floater – vital insurance for electricians
Your tools represent years of investment and the foundation of your livelihood. Most electricians carry $10,000 to $50,000 worth of equipment, yet standard commercial property insurance only covers these tools at your business premises. The moment you load them into your van for a job in Biddeford, they're unprotected—exactly when they're most vulnerable.
A tools and equipment floater, technically called inland marine coverage, solves this problem by protecting your tools wherever they travel. This insurance for electricians coverage is particularly valuable because it provides mobile protection for tools at job sites, in vehicles, and during transport.
Theft protection is probably the most important benefit. Even with proper security measures, thieves specifically target electricians' vehicles because they know they contain valuable, easily-resold equipment. We recently handled a claim where over $25,000 in specialized testing equipment disappeared from a locked van in a Portland parking lot.
The coverage also protects against damage from weather, accidents, or vandalism. Maine's harsh winters can wreak havoc on sensitive electronic equipment, and construction sites present numerous hazards that can damage or destroy tools.
Most importantly, tools and equipment coverage provides replacement cost benefits, meaning you get funds to replace damaged or stolen tools with new equipment of similar quality. This keeps your business running without forcing you to dig into savings or take on debt.
The cost is remarkably reasonable—typically $200 to $700 annually for $3,000 to $10,000 in coverage. When you consider that a single theft could put you out of business for weeks, the peace of mind is invaluable.
Installation Floater for Ogunquit Remodels
An installation floater provides specialized coverage for materials and equipment during the installation process. This protection is particularly valuable for electricians working on high-end remodeling projects in coastal communities like Ogunquit, where smart home systems and luxury lighting installations can involve tens of thousands of dollars in materials.
This coverage fills a critical gap in protection. Your supplier's insurance typically ends the moment materials are delivered to the job site. The client's property insurance usually doesn't begin until work is completed and formally accepted. That leaves a vulnerable period when expensive electrical components are your responsibility but potentially unprotected.
Materials in transit coverage protects electrical components being delivered to job sites. Job site storage protection covers materials stored at construction sites before installation—important when you're working on projects that span weeks or months.
Work in progress coverage protects partially completed installations. If a fire damages a home where you've installed new wiring but haven't finished the project, this coverage ensures you're not left holding the bag for materials and labor already invested.
Completed work protection continues until the client formally accepts the installation. This is particularly important for complex installations involving smart home systems or specialized electrical equipment that may require testing and adjustment periods.
For expensive installations common in Ogunquit's luxury home market, installation floater coverage provides essential protection that keeps projects moving forward even when unexpected problems arise.
Cost of Insurance & How to Save in Biddeford and Beyond
When electricians in Biddeford ask us about insurance for electricians costs, we always start with the good news: proper coverage is more affordable than most people think. The bad news? Going without it can cost you everything.
We've helped hundreds of Maine electricians find the right balance between protection and price. The key is understanding what drives your premiums and knowing where you can save money without cutting corners on coverage.
Your revenue and business size play the biggest role in determining costs. A solo electrician serving Wells and Kennebunk will pay far less than a crew of ten working throughout Southern Maine. But here's the thing—larger operations often get better rates per dollar of coverage because they spread the risk across more work.
Your claims history matters more than you might expect. We've seen electricians with clean records save 20-30% compared to those with frequent claims. That water damage claim from five years ago? It's still affecting your rates today.
Vehicle count adds up quickly since each work truck needs commercial auto coverage. However, if you're running multiple vehicles between Ogunquit and Biddeford, fleet discounts can help offset those costs.
Coverage limits and deductibles give you the most control over your premiums. Choosing a $2,500 deductible instead of $500 can cut your costs significantly—just make sure you can afford the higher out-of-pocket expense if something happens.
Safety programs are where smart electricians really save money. Formal training and loss prevention programs can knock 10-15% off your premiums with many carriers. Plus, they actually reduce your chances of having a claim in the first place.
For a quick estimate of your potential costs, try our Small Business Insurance Cost Calculator to get a ballpark figure for your specific situation.
Typical Price Ranges for insurance for electricians
Let's talk real numbers. After insuring electricians throughout Maine for years, we can give you solid ranges for what you'll actually pay.
Commercial General Liability forms the foundation of your coverage. For $1 million in protection, expect to pay around $70-90 per month—that's roughly what you'd spend on a nice dinner out. $2 million coverage bumps that up to $100-120 monthly, but many clients require this higher limit anyway.
Workers' Compensation runs about $1-2 per $100 of payroll for electrical work. If you're paying an employee $50,000 annually, you're looking at $500-1,000 in workers' comp premiums. For most electrical contractors with employees, this averages around $217 per month.
Commercial Auto varies wildly based on your driving record and vehicle value. A clean-driving electrician with a basic work van might pay $1,000 annually, while someone with a newer truck and a few speeding tickets could hit $3,000 or more per vehicle.
Tools & Equipment coverage is surprisingly affordable at $200-700 annually for $3,000-10,000 in protection. When you consider that one tool theft could wipe out years of premiums, this coverage practically pays for itself.
Complete packages for small electrical operations start around $650 annually for basic coverage. Larger businesses with multiple employees and vehicles typically invest $3,000-10,000+ annually, depending on their size and scope of work.
Money-Saving Tips for Self-Employed Sparkies
Here's where we help you keep more money in your pocket without skimping on protection.
Bundling your policies is the easiest way to save. When you combine general liability, commercial auto, and tools coverage with one carrier, you'll typically save 10-25% compared to buying separate policies. Our Business Owner's Policies make this simple and affordable.
Higher deductibles can slash your premiums by 20-30%. Just make sure you can handle a $2,500 deductible if you choose one. We've seen too many electricians choose high deductibles to save money, then struggle when they actually need to file a claim.
Shopping through an independent broker like us gives you access to over 20 carriers without the hassle of calling each one. We do the legwork to find your best rates and coverage options.
Safety training pays dividends beyond just reducing accidents. Many insurers offer significant discounts for formal safety programs and certifications. The time you invest in training often pays for itself through lower premiums.
Good credit matters more than you might think. Many insurers use credit scores as a rating factor, so maintaining good credit can help keep your premiums reasonable.
Annual reviews ensure you're not paying for coverage you don't need while catching any gaps that could leave you vulnerable. Your insurance needs change as your business grows—your coverage should evolve too.
For more detailed information about what Maine electricians typically pay, check out our comprehensive guide on Maine Business Liability Insurance Cost.
Buying, Managing & Proving Coverage
Getting the right insurance for electricians shouldn't feel like solving a complex wiring diagram. At Sevigney-Lyons, we've streamlined the entire process—from buying coverage to getting certificates instantly when that Wells contractor calls at 7 PM asking for proof of insurance.
The days of waiting weeks for insurance quotes are long gone. Our independent agency represents over 20 top carriers, which means we can shop your coverage across multiple insurers and find the best combination of price and protection. It's like having a personal shopper for insurance, except we actually know the difference between general liability and professional liability.
Working with a local broker brings advantages you simply can't get from a 1-800 number. We understand that insurance for electricians in Maine means dealing with coastal weather, older homes in Kennebunk that haven't been rewired since the Eisenhower administration, and the unique challenges of working in tourist areas like Ogunquit where everything needs to be perfect.
Our team has been serving Southern Maine for decades. We know the local building codes, understand seasonal construction patterns, and have relationships with adjusters who won't scratch their heads when you explain why that circuit breaker failed during a nor'easter. This local knowledge translates into better coverage recommendations and faster claim resolutions.
Risk management support comes standard with our service. We help you review contracts before signing, develop safety programs that actually reduce your premiums, and spot potential problems before they become expensive claims. Think of us as your insurance safety net—we're always watching for gaps that could leave you exposed.
For more insights on choosing the right insurance partner, check out our guide on the Best Commercial Insurance Agency Maine.
Getting a Certificate of Insurance in Minutes
Nothing kills a business opportunity faster than telling a client you need three days to get a certificate of insurance. Our online portal puts you in control, allowing you to generate certificates 24/7 from your phone while sitting in your truck outside the job site.
Modern electricians need proof of coverage at a moment's notice. Whether you're bidding on a Biddeford commercial project or starting residential work in Wells, clients expect immediate proof that you carry adequate insurance. Our system delivers certificates in minutes, not days.
Certificates serve multiple critical purposes in today's business environment. They provide proof of coverage to clients who need assurance you can handle potential claims. They demonstrate contract compliance by meeting specific insurance requirements spelled out in project agreements. They satisfy licensing requirements that Maine and local municipalities may impose. They also support bid submissions by showing financial responsibility to potential clients.
Our flexible system allows you to customize certificates for specific requirements. Need to name the client as an additional insured? Done. Require specific coverage limits to be highlighted? No problem. Want to include your workers' compensation information? Easy. This flexibility ensures your certificates meet exact contract requirements without back-and-forth delays.
The best part? You can generate certificates for past, present, and future dates (within your policy period), so you're never caught off guard by a last-minute request.
Filing a Claim Without Shocking Delays
When accidents happen—and in the electrical trade, they will—quick response can mean the difference between a minor setback and a business-threatening disaster. Our claims process is designed around one simple principle: get you back to work as fast as possible.
Immediate response is our standard, not our exception. You can report claims 24/7 through our online portal or by calling our emergency claims line. We don't wait until Monday morning to start working on your Friday afternoon claim. Time matters when you have crews waiting and clients depending on you.
Documentation support often determines how quickly and fairly your claim gets resolved. We help you gather the right information from the start—photos of the damage, detailed incident reports, witness statements, and any relevant contracts or permits. Getting this right the first time prevents the delays that come from adjusters requesting additional information weeks later.
Adjuster coordination is where our experience really shows. We work directly with insurance company adjusters to ensure they understand the technical aspects of electrical work and the urgency of your situation. An adjuster who doesn't understand the electrical trade might not grasp why you need that specialized meter replaced immediately rather than waiting for three quotes.
Settlement negotiation benefits from our deep understanding of electrical claims. We know what equipment costs, understand the value of your time, and can spot when settlements don't fully account for all your losses. Our goal is fair compensation that makes you whole, not just checks the insurance company's boxes.
Deductible management helps you understand exactly what you'll pay out of pocket and when. We work to minimize your costs when possible and help you understand how deductibles apply to different types of claims.
The golden rule of claims? Report early, document everything, and let us handle the insurance company politics. The sooner you call us, the sooner we can start working to get you back to what you do best—keeping the lights on across Southern Maine.
Frequently Asked Questions about Insurance for Maine Electricians
Is electrician insurance mandatory in Maine?
Here's the straight answer: Maine doesn't specifically require electricians to carry insurance to get their license. But before you celebrate, there's a big "but" coming.
In practical terms, insurance for electricians is absolutely essential. Most clients won't let you start work without proof of liability insurance—usually at least $1 million in coverage. It's like having a driver's license but no car insurance. Technically legal, but good luck actually driving anywhere.
If you have employees, workers' compensation insurance is required by Maine law. No exceptions, no wiggle room. Even if you use regular subcontractors, you might need coverage depending on how your relationship is structured.
Then there are the local requirements. Cities like Wells, Kennebunk, Ogunquit, and Biddeford may have their own insurance requirements for permits or licenses. Client contracts increasingly specify minimum insurance requirements too. Without proper coverage, you'll find yourself sitting on the sidelines while competitors get the work.
How much liability coverage do residential electricians really need?
Most residential electricians should carry at least $1 million in general liability coverage, but we often recommend $2 million for good reason. I know what you're thinking—"It's just residential work, how bad could it be?"
Here's the reality check: electrical fires don't care whether you're working on a modest Cape Cod in Biddeford or a waterfront mansion in Kennebunk. A single wiring mistake can burn down a $500,000 home just as easily as a $50,000 one. We've seen claims where a simple installation error led to fires causing hundreds of thousands in damage.
The legal costs alone can be eye-watering. Even when you're not ultimately found liable, defending yourself can cost $100,000 or more. That's money you'll never get back, even if you win the case.
The premium difference between $1 million and $2 million coverage is surprisingly small—often just $20-30 per month. When you consider that one major claim could wipe out your business, that extra protection is worth every penny.
Can personal auto policies cover my work van?
Absolutely not. This is one of the most dangerous misconceptions in the electrical trade. Personal auto insurance specifically excludes business use, and using your vehicle for work purposes violates your policy terms.
Think about it from the insurance company's perspective. Your personal policy was priced based on driving to the grocery store and visiting friends. It wasn't designed to cover daily trips to job sites with thousands of dollars in tools and equipment.
If you use personal coverage for business purposes and have an accident, you could face denied claims and cancelled policies. Even worse, you could be personally liable for damages with no insurance protection at all.
Commercial auto insurance is specifically designed for business vehicle use. It covers the unique risks electricians face, including coverage for tools and equipment stored in vehicles. Many policies also include hired and non-owned vehicle coverage, protecting you when employees use their personal vehicles for work or when you rent vehicles for large projects.
The bottom line: if you use any vehicle for work—whether it's transporting tools, materials, or just driving to job sites—you need commercial auto insurance. It's not optional, and it's not expensive compared to the protection it provides.
Conclusion
When you're up on a ladder in Wells fixing a coastal home's weathered electrical panel, or rewiring a historic Kennebunk property, the last thing on your mind should be whether you're properly protected. But insurance for electricians is exactly what stands between a successful business and financial disaster when things go wrong.
We've seen it happen too many times—a skilled electrician loses everything because they didn't have the right coverage when a client's house fire was traced back to their work. Or a contractor can't bid on that big Ogunquit renovation because they don't have the insurance certificates the client requires.
The reality is simple: in today's world, proper insurance isn't optional for electricians. It's as essential as your wire strippers and voltage tester.
At Sevigney-Lyons Insurance Agency, we've been part of the Southern Maine community for decades. We understand that Maine electricians face unique challenges—from harsh coastal weather in Wells to the seasonal construction rush in Biddeford. We know that a one-size-fits-all insurance policy won't protect a Maine electrician any better than a generic tool would help you complete a complex wiring job.
That's why we take the time to understand your specific business. Whether you're a solo operator working out of your truck or managing multiple crews across Southern Maine, we design insurance for electricians programs that fit your actual needs and budget. Our relationships with over 20 top carriers mean we can find competitive rates while ensuring you get the coverage that matters most.
Your business deserves protection that works as hard as you do. From commercial liability that covers property damage claims to workers' compensation that protects your employees, from tools coverage that replaces stolen equipment to errors and omissions insurance that covers professional mistakes—we make sure all the pieces fit together properly.
And when you need a certificate of insurance for that last-minute job in Ogunquit, our online portal gets it to you in minutes, not days. When a claim happens, we're there to guide you through the process and get you back to work quickly.
Don't wait until you need insurance to get it. The best time to secure comprehensive insurance for electricians is before you need it. Contact Sevigney-Lyons Insurance Agency today for a quote that protects your business, your employees, and your peace of mind.
For more information about business insurance options, visit our guide on Buy Maine Business Insurance or contact our team to discuss your specific needs.
Because in the electrical business, the best insurance is the coverage you have in place before the lights go out.
