The Right Insurance for Your New Brunswick Electrical Business

Insuring your New Brunswick electrical contracting operation is a key part of your business plan for success.

You can’t afford to take chances, so it makes sound sense to work with a local broker with a depth of knowledge about doing business in New Brunswick.

In Sussex and surrounding areas, many contractors already rely on the friendly team of professionals at Pearson Insurance to provide that service, just as we've been doing for more than 80 years. Why not join them?

What Is Electricians Insurance?

Our New Brunswick electricians insurance package covers a wide range of protections for all types of electrical business including maintenance and repair services, HVAC services, lighting, construction installations and subcontracting,

We provide essential coverage and options that include:

  • Electrical contractors' commercial general liability (CGL) insurance of $1million or a higher limit if you want, to protect you against the costs of lawsuits, damages and injury claims.
  • Professional liability protection (sometimes called errors and omissions insurance) services you provide and against claims of professional negligence.
  • Commercial coverage for your buildings, workshops, tools and equipment, including optional coverage for on-site equipment, sometimes referred to as installation floater insurance. This can protect against fire, theft, vandalism and certain types of storm damage.
  • Electricians' commercial auto insurance for your business vehicles, with optional coverage for employees using their own cars for work, as well as hired vehicles.
  • Business Owners Policies (BOPs), which combine several different types of coverage into a single policy
  • Cyber liability insurance to defray the costs arising from data breaches and identify theft claims.
  • Business interruption insurance to protect against losses if your activities are disrupted by a covered incident.
  • Employee dishonesty insurance -- crucial for protection when your employees are frequently on others' premises.
  • Builders risk insurance, which provides protection during project development and construction, before completion.
  • Contractor surety bonds, which are often required by local governments or other major project commissions.

What Type of Electrical Contractor Insurance Do I Need?

You may not need all of these protections, depending on the nature of your electrical business. Pearson Insurance will answer your questions and help you decide on the scope of coverage, policy limits and deductibles,

We tailor your electrician insurance program around the needs of your business -- so you're fully protected without buying coverage you don’t need.

That means building a policy that includes all the essentials, like liability coverage, plus options to meet your requirements and your budget.

If you're in a hurry, we can get you insured fast. But for a truly customized plan, we'll get to know and understand the detail of your business activities.

Then, as an independent broker, we'll scour rates and coverages from multiple insurers to secure a competitively-priced policy, with any available discounts.

After that, we'll keep your policy under regular review so it remains price-competitive, and keeps up to date with changes in the business itself.

The Pearson Insurance Advantage

When you insure your electrical contracting business through Pearson you reap the benefits of working with an experienced and local broker, here on the ground, to help and support you.

As well as securing great deals, we can provide advice on risk management, keep on top of new insurance coverages that you may want and, crucially, provide advocacy services on your behalf if you need to file a claim.

Don't wait. Find out more now

There are too many risks in the electrical contracting business to operate without a solid insurance policy to protect you.

Whether you're starting out in the trade or you're renewing existing coverage in and around Sussex, you should be speaking to Pearson Insurance.

We can swiftly review your business needs and provide a competitive quote without any cost or commitment on your part.

You can call us at (506) 432-1550 or email us at info@pearsoninsurance.ca. There's potentially a lot at stake, so don’t wait. Find out more now!