When you hear the term “electrical contractor” what comes to mind? Electricians? The fact of the matter is, electrical contractors do a number of jobs that vary greatly from one another. It is important to know that each specific job has its own risks, and needs a unique electrical contractor insurance policy as well. Here are two specific types of contractors, and the different risks they each face.

Cable Layers

Cable laying contractors install and repair overhead or underground cables and lines used to provide electricity or communication services. Operations consist of excavating trenches, laying the cable etc. The lines from individual building or residences, often laid by electricians and other contractors, are then hooked up to the system.

On site digging or overhead operations pose many hazards such as:

• Digging and other operations can create problems such as cutting utility cables, resulting in disruptive service.
• Special transportation is usually full of heavy equipment and lifting devices for cable laying. These vehicles can be difficult to maneuver and maintain, resulting in significant damage if used incorrectly.
• Personal injuries can include hernias and sprains from setting up retaining walls or trenches. There also runs the risk of said walls collapsing or overturning, and of course falling from extreme heights.

Alarm Installers

Alarms are installed in residences and businesses to detect abnormal conditions, such as smoke or a break-in, and alert the building owner, alarm company, police or fire department that action is needed. The contractor installs the wiring, control boxes and other necessary devices throughout the premises as agreed to by the customer.

Here are some of the risks that alarm installers face:

• On the job exposures can be invasive and require the contractor to work throughout a home or business, creating a high risk for property damage.
• Failure of the security system to operate properly could result in bodily injury or property damage/theft.
• Minor injuries come from slips and falls, but a larger risk comes from failing to enforce basic safety procedures such as shutting off electrical power.