Are you interested in starting your own electrical contracting business, or is your business well established?  No matter if you are a brand-new business or an existing business with many years of operation you need affordable liability insurance for electricians in Ohio.

We offer the best rates on commercial insurance for electricians in Ohio. (Plans are also available for most other types of contractors.) Please call 513-662-7000 and speak with our experienced insurance professionals.

If your electrical contracting business is not located in Ohio, Kentucky, or Indiana you can request an online insurance quote in the other 47 states by clicking here, or you can call 513-662-7000.

Insurance For Contractors in Cincinnati Is More Complicated Than You Think.

To protect yourself financially you should purchase the best commercial insurance policy in Cincinnati for your business needs. Unfortunately commercial insurance for electricians is much more complicated than you might foresee. For all new customers we offer an electricians insurance coverage checklist specifically for your business that will help you choose the best contractors insurance in Ohio. (This commercial insurance plan is available to all contractors in Ohio.)

Insurance for Your Electrical Contracting Business Could Include The Following:

• Completed Operations – In the event of faulty grounding or wiring, power surges or power failures could lead to injury or property damage. One mistake could lead to catastrophic property loss or even loss of life. This coverage would be very important to have on your policy when you purchase insurance for your electrical contractor’s business. There are two types of policy that you can purchase, a claims made or an occurrence policy. Call our office to learn the major differences in the two.

• Automobile Liability – An oversight that might be made by electricians is that they do not purchase commercial automobile insurance in Ohio for their business. If you are using your personal vehicles to transport yourself, employees, or equipment in your electrical contracting business and you are found to be at fault for an accident, the insurance company providing your personal automobile insurance might refuse to pay the claim due to the business usage exclusion in the car insurance policy.

• Inland Marine – This endorsement to your commercial insurance policy for electricians may provide coverage for tools, ladders, and other equipment that you own or rent, including materials that are transported to various job sites. Your business is best protected when you purchase this coverage to protect your equipment.

• Group Health Insurance in Ohio – Many small businesses offer group health insurance in Ohio to retain the best employees. Click here for more information about group health insurance in Cincinnati.

Which Insurance Plan For Your Small Business Is Best for Your Needs? 

We can help you choose. Call 513-662-7000 for the best rates on liability insurance for electricians in Ohio. If you have businesses outside of these areas and you would like a commercial insurance quote, click here for companies offering the best rates on insurance for electricians.

Call 513-662-7000 for the best rates being offered on group health insurance in Cincinnati.

We represent all of the major health insurance companies in Cincinnati including one health insurance carrier that is not available for sale through any of the major health insurance brokers in Cincinnati.

Who Are Eligible for Group Health Insurance?

Group health insurance policies are purchased by employers for the benefit of their employees.

If you are looking to start a new business and you would like group health insurance there are some underlying requirements that you must meet as the employer to qualify for group health insurance.

If you do not own the business you are not eligible for group health insurance in Ohio unless you are an employee of a business that offers group health Insurance.

Can I Be Turned Down for Group Health Insurance for Medical Reasons?

Federal law requires that regardless of pre-existing medical conditions, small group members cannot be declined or rejected by an insurance provider for group insurance.

So in other words if an employee has a very serious medical condition, the group, or that individual can’t be turned down for coverage. However the insurance company can charge extra premiums for the entire group based on the general health condition of that employer group.

Essentially what that means is that group health insurance policies in Cincinnati will be medically underwritten by the insurance company to determine what their base premium will be.

Do You Need Group Health Insurance in Ohio?

For great group health insurance rates in Ohio Contact Pathway Insurance at 513-662-7000.