Most electrical contractors think they’re covered because they pay their monthly premiums.

But here’s the cold, hard truth: Insurance companies don't pay for what’s in your head; they pay for what’s in your policy.

I’ve seen guys get wiped out because they took a job for an HOA or stepped onto a roof without realizing their "standard" coverage had a specific exclusion for those exact scenarios. By the time the smoke clears, it’s too late to check the fine print.

In my latest video, I’m partnering with Next Insurance to show you exactly how to audit your own coverage.

We’re breaking down:

• Why "Residential" codes won't protect you on commercial sites.
• The truth about working on roofs and multi-family units.
• How to get a COI in seconds so you never lose a bid to a "faster" competitor.

[Watch: Avoid the Disaster - What Sparkies Need to Know]

Don't wait for a claim to find out you’re exposed.