Finding a Contractor: Commercial Electrical Contractor Liability Insurance Requirements

Commercial building networks are much more complex than ordinary home setups. So are their electrical problems. Business owners and property managers must, therefore, not only find a contractor but look for an experienced commercial electrical contractor to fix such problems.

A purposeful effort to find a contractor requires due diligence. As a facilities manager, consider the following guide in your search for a suitable commercial electrical contractor for the construction, maintenance or repair jobs that you need.

Where to Find a Commercial Electrical Contractor

The best places to find a contractor online are contractor directories, where you have access to comprehensive lists of specialists including their areas of expertise and places of operation. These directories are ideal for busy business people because they can save time that can otherwise be used for more productive activities. Consumers can also be assured that directories list trained professionals ready to give expert advice, match their job requirements to the needed skills that contractors should have, and help them make informed choices. Clients can also check the necessary licenses and insurance requirements of contractors as well as any record of misbehavior.

The search for a good electrical contractor does not preclude traditional but reliable means like asking referrals from associates in the industry, relatives, construction suppliers and customers who have had previous jobs done by the contractor.

What to Look for in a Commercial Electrical Contractor

The key to finding a good electrical contractor is to pre-qualify three to five candidates before committing to any job contract. This way, clients are better able to compare the caliber of each contractor, the quality of work, the reasonableness of pricing, the contractor’s area of expertise, punctuality of job completion and overall track record.

Equally important is checking the license of the contractor by searching online at the appropriate state licensing board. Different skill levels require different licenses. For instance, an electrical trainee is one who trains under the supervision of a certified electrician. A certified electrician is a person possessing the required education and amount of experience as well as passes the corresponding state exam. A master electrician certificate is held by a certified electrician who has worked as such for a specified period and has passed the appropriate state exam.

Commercial Electrical Contractor Liability Insurances

Accidents do happen and they can cause physical injuries or damage. Thus, it is in the best interest of clients to require that the electrical contractor they hire has these basic liability insurance covers:

  • General Liability Insurance – On the part of the customer, this insurance will help cover costs for any physical injuries or fatality caused by injury to any person as a result of an accident in the course of the contracted job. This will also take care of material damage to the finished product or premises of the contracting customer during the project. On the part of the electrical contractor, this will cover him for any lawsuits that may be filed against him by the customer arising from breach of contract.
  • Workers Compensation Insurance – If the contractor brings his own workers to the job, these workers must be appropriately protected by insurance to answer for lost wages, health expenditures or bereavement reimbursements if any accident happens.

Electrical problems in a building or business office are not only inconvenient but extremely embarrassing to customers. Physical discomfort can likewise diminish employees’ productivity levels, decrease revenues and bear on the bottom line. Make sure youÂ’ve adequately examined your commercial electrical contractorÂ’s qualifications before giving them your business.

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