Low voltage or high voltage, inside wiring or traffic signalization, industrial or institutional – electrical contractors offer a wide range of services.  With professionals in Underwriting, Claim and Risk Control all dedicated to your industry, we can tailor an insurance program to fully support your risk needs with the right products and services.  We have specialized products that provide limited coverage for physical injury to certain electrical property to help electrical contractors like you manage the unique risks you face.

Local markets may serve you locally, but not when you grow or work outside of your area. Brittain Insurance Services local presence but national scope serves multi-state and local electrical contractors with experience and expertise that translates to a better understanding of what you do no matter where the work is performed.

Our broad, tailored coverages and enhancements are based on our deep knowledge and experience in the construction industry, and specifically designed to meet the needs of our customers.

General Liability

• Injuries on your property, such as slips or falls
• Bodily injury or property damage to a third party caused by your work or your employee’s activities
• Liability of others you assume under contracts
• Bodily injury or damage to another’s property arising from a defect in your product
• Libel, slander,  or business disparagement
• Copyright infringement in your advertisement
• Workers Compensation

We want to protect you  and your employees after a work-related injury or illness. For the injured employee, workers compensation provides medical care, lost wages and more.  For the employer, workers compensation provides a sole remedy, avoiding expensive civil litigation, plus peace of mind knowing your employees will get the help they need to recover and return to work.  Most importantly, we help mitigate losses to avoid large increases in your experience modification.

Auto Liability and Physical Damage

Liability Coverage

Provides protection against liability for bodily injury and property damage to others caused by the maintenance or use, including loading and unloading, of your company-owned autos.

Uninsured Motorists Coverage

Provides protection, as required by applicable state law, to the insured for damages sustained by the insured that result from an accident caused by an uninsured motorist.

Underinsured Motorists Coverage

Provides protection, as required by applicable state law, to the insured for damages sustained by the insured that result from an accident caused by a driver whose automobile liability insurance limits are inadequate.

Physical Damage Coverage

Protects your owned autos against accidental loss or damage, including:

• Collision coverage
• Comprehensive coverage
• Specified causes of loss coverage – for example, theft, vandalism, hail, windstorm, flood, fire, explosion
• Exclusions apply.
• Commercial Umbrella and Excess Liability Insurance

An Umbrella Liability Policy supplements your existing policy’s general liability, auto liability and employer’s liability limits (workers comp). Our umbrella policy provides:

• Increased limits in excess of the standard primary policies
• Replacement of the primary policies if limits are used up by covered losses
• Broader coverage than primary coverages
• Contractors Tools (Inland Marine Coverage)

Inland Marine Coverage 

Covers your contractor equipment and material that is mobile in nature or requires unique valuation.  Coverage extends to property that is owned or in a business’ care related to construction, transportation, fine art and renewable energy.

Property

If you own your building/office or rent it, we have property coverage that protects you. From buildings to equipment, your commercial property is vital to your business. So is protecting them from a wide variety of unplanned risks.   Because one size does not fit all, our flexible property insurance policies are designed to meet your unique needs – covering buildings, personal property and time element exposures.  With years of hands-on expertise, you can count on Brittain to deliver cost-efficient, tailored property insurance solutions.

What type of Electrical Contractor do we cover?

• General Elections
• Lighting
• Low Voltage
• Fiber Optic
• High Voltage
• Electrical controls installation
• Track Home Elections
• And many more…