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Electrical Contractor Insurance
An electrical fire can show up months after you've finished, and the claim comes back to you. We compare insurance companies that write electrical contractors, check that completed operations coverage is in place, and match your certificates to GC and owner requirements. Call or text with your next contract and we'll go through it with you.
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Electrical work
Coverage Built for Electrical Contractors
From service calls to new construction, electrical work carries risk long after you leave. We match coverage to the work you actually do.
- General liability with completed operations
- Workers comp for electricians and apprentices
- Commercial auto for service vans
- Tools and equipment coverage
- Umbrella limits GCs and owners require
- License, permit and performance bonds
Good to Know
Before You Buy
Electrical claims can surface long after the work is finished. We go through each detail with you before you sign.
- Completed work. Fire claims tied to electrical work can surface long after the job, so completed operations coverage is important.
- License bonds. Many states and cities require electrical contractors to carry a license or permit bond.
- Type of work. Service and repair work is often rated differently from new construction, so describing your work accurately affects your price.
- Design work. Design and engineering are usually excluded from general liability. If you do them, you may need professional liability.
- Vans and tools. Service vans need commercial auto, and the tools and materials inside need their own coverage.
- Workers comp. Many states require contractors to carry workers comp, in some states from the first employee.
Pair It With
Gaps Electrical Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Design Work Needs Professional Liability
If you design systems as well as install them, a design mistake usually falls outside general liability.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Your Tools Need Their Own Coverage
Liability doesn't cover your own tools. Tools and equipment coverage protects them on the job and in your truck.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Electrical Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Am I covered for a fire after the job is done?
Completed operations coverage, part of most contractor liability policies, responds to covered damage or injury after your work is finished. Faulty work itself is often excluded, so we walk you through what's covered.
Do I need professional liability?
If you do design work, a design mistake may not be covered by general liability. We can quote professional liability if you need it.
Do I need a bond?
Many states and cities require a license or permit bond. We can help you get one.
Bidding a Job That Needs a Certificate or Bond?
Send us the contract requirements and we'll match them.