Electrician Insurance
Electrical work involves high-risk exposures — from fire damage caused by faulty wiring to injuries from electrocution. Our electrician insurance packages address the specific risks of the electrical trade with coverage built for your business.
Coverages we place
- General liability covering fire and property damage from electrical work
- Workers' comp for shock injuries, falls, and burns
- Tools & equipment coverage for meters, conduit benders, and power tools
- Commercial auto for service vans and trucks
- Completed operations coverage for work after project handoff
- Professional liability for design-build projects
- License and permit bonds required by your state
- Inland marine for materials in transit
Who needs this coverage
Licensed electricians, electrical contractors, low-voltage installers, solar panel installers, and fire alarm system companies.
What drives your premium
- Type of electrical work (residential, commercial, industrial)
- Annual revenue and payroll
- Number of employees and apprentices
- Claims history — especially fire-related claims
- Whether you do new construction vs. service/repair
Common exclusions
- Work performed without proper licensing
- Intentional code violations
- Asbestos exposure (separate coverage needed)
- Pollution from hazardous materials
- Employee theft (need crime policy)
Frequently asked questions
Why is electrician insurance more expensive?
Electrical work has higher fire and injury risk than many other trades. Carriers price accordingly — but a clean claims history and safety certifications can significantly reduce your premiums.
What is completed operations coverage?
It covers claims arising from work you've already finished. If wiring you installed causes a fire six months later, completed operations responds. It's essential for electricians.
Do I need a license bond?
Most states require electricians to carry a license and permit bond. We can write these bonds quickly and affordably as part of your insurance package.
Related coverage
Get a free quote or call (321) 206-8035.