Verifying the Insurance of a Residential Electrician in Omaha
Do you need help with your home’s electrical system or electrical fixtures? Then find an electrician with the right qualifications to perform your job. Part of the hiring process will entail verifying the insurance of a potential electrician. Hiring an uninsured electrician is illegal in some states. To confirm the existence of an active insurance contract, use the following steps.
When you first talk to your potential Residential Electrician in Omaha, politely ask for the name of his insurance agent. Call this representative at a later time to request a certificate of insurance. This document is not a contract but contains certain information contained in one. The insurance agent will need to get written permission from the electrician before she can send you this certificate. This representative should contact the electrician regarding this task.
After you receive the certificate of insurance, scrutinize it to ensure that all parts are completely filled out correctly. While insurance companies may use different templates, basic information should be contained in the one you receive. The producer is the insurance company sending you the certificate. The full name and business address of the insurance company should appear in this spot. The insured is the name of the electrician. You are the certificate holder. Ensure that your name is in this spot.
Pay close attention to the policy effective date and the policy expiration date. The policy effective date is the first day the insurance covers the electrician. The policy expiration date is the day when the policy will terminate. This means the last day of coverage is the day before this date. This certificate should list the types of coverage the Residential Electrician in Omaha has such as general liability and automobile liability. Coverage limits should be listed. This is the maximum dollar amounts you are insured for each person or for each occurrence.
Checking on the insurance of an electrician should be done before you sign a contract. If an uninsured electrician is hurt while working in your home, you could be held liable for his injuries. For more information on electrical services, please consult with an expert at Brase Electrical Contracting Corp. This company can handle residential and commercial electrical services.