Electrical Contractors

but the insulating sheathing produces a black oily smoke when burnt and can be difficult to extinguish once started. Proper storage with good aisle space is important for preventing fires. Copper cable and wiring can be targeted by thieves. Appropriate security controls should be taken including alarms, lighting, and physical barriers prohibiting access after-hours.

installation floater, and valuable
papers and records for customers’ and suppliers’ information. There may be computers for tracking inventory, goods in transit, or installation exposures. Backup copies of all data should be stored off premises. Equipment consists mainly of hand tools and ladders unless there is line construction or machinery installation. Line construction may involve the use of cherry pickers and similar equipment for overhead lines, or trenchers and other digging equipment for laying underground cable. Contractors may lease, rent or borrow equipment, or may lease out,
rent or loan their owned equipment to others, which poses additional risk as the operator may
be unfamiliar with the operation of the borrowed item. Tools and materials awaiting installation that are left at job sites are exposed to loss by theft, vandalism, damage from wind and weather, and damage by employees of other contractors. Goods in transit can be damaged by collision or overturn. Copper cable and wiring have high resale value and can be a target for theft items during transit or while located at job sites.

should be performed on all employees providing services to customers or handling money. There must be a separation of duties between persons handling deposits and disbursements and reconciling
bank statements.

 with customers.

resulting from the contractor’s negligence may result in significant bodily injury or property damage. Work for medical facilities, prisons, large manufacturers, and alarm system installation can present the potential for catastrophic
loss. Quality control, including work order documentation, and employee training, background, and experience is important. Warranties, guarantees, and maintenance agreements, in which the contractor promises to keep a system in operation, should be reviewed.

other heavy-duty electrical equipment that contains PCB’s.

Spillage and leaking of pollutants into the air, ground, or water can result in high cleanup costs and fines. Disposal procedures must adhere to all EPA and other regulatory standards. Proper written procedures and documentation of both the transportation and disposal process are important.

from the use of high-voltage lines. Injuries can occur from working with hand tools, slipping or falling, back injuries such as hernias, strains and sprains from lifting, pulling cable, or working from awkward positions, foreign objects in the eye, hearing impairment from noise, temperature extremes, auto accidents during transportation to and from job sites, and the carelessness of employees of other contractors.

Minor injuries may be frequent even when the severity exposure is controlled. Failure to enforce basic safety procedures, such as power shutoff prior to commencing certain operations, may indicate a morale hazard. When work is done on ladders and scaffolds, employees can be injured from falling, being struck by falling objects, or adverse weather conditions. Laying underground cables may be near power and gas lines. Trench collapse can result in workers being suffocated or buried underground.

Goods in Transit, Installation Floater, Valuable Papers and Records, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella/Excess Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto, Workers Compensation, Building, Business Income with Extra Expense, Equipment Breakdown, Flood, Leasehold Interest, Real Property Legal Liability, Contractor Professional Liability, Pollution Liability, Computers, Riggers Liability, Cyber Liability, Employment Practices Liability, Stop Gap Liability, Commercial Crime