Insurance for Electricians
Protection that powers your business forward.
Get comprehensive electrician insurance that covers your work, protects against liability claims, and meets contractor requirements.
Licensed agents who understand electrical work deliver fast quotes, instant COIs, and expert support for electricians nationwide.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Electrician Insurance Matters
Protect your business from the unique risks of electrical work
Electrical work carries some of the highest liability exposure in the trades. A wiring mistake can cause fires, electrocution, or property damage worth hundreds of thousands of dollars. Whether you're a residential electrician, commercial electrical contractor, or industrial specialist, the right insurance coverage protects your business from the claims that could shut you down overnight.
Most electricians need General Liability to cover property damage and injuries caused by your work, Workers' Compensation for employees (required in most states), and Commercial Auto for your service vehicles. Many projects also require you to carry completed operations coverage—protecting you if problems arise after you've finished a job and left the site.
Your classification code and the type of electrical work you do significantly affects your rates. Residential wiring typically costs less to insure than commercial or industrial work. High-voltage work, solar installations, and fire alarm systems may require additional coverage. Working with agents who understand electrical contracting helps ensure you have proper coverage at competitive rates.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers property damage, fire damage, and bodily injury claims from your electrical work. Essential for every electrician.
Workers' Compensation
RequiredRequired in most states for employees. Covers electrocution injuries, falls, and other workplace accidents.
Commercial Auto
Protects your service van or truck and the tools inside. Covers accidents and liability while driving to jobs.
Business Owners Policy
Bundled coverage combining general liability, property, and business interruption at a lower cost.
Industry Risks
Common risks you need to protect against
Real risks electricians face
See how the right insurance protects you when things go wrong
Risk
A wiring installation you completed six months ago causes an electrical fire that destroys a homeowner's garage.
General Liability (Completed Operations)
Pays for fire damage, property loss, and legal defense—potentially saving you $100,000+ in claims.
Risk
A wiring installation you completed six months ago causes an electrical fire that destroys a homeowner's garage.
General Liability (Completed Operations)
Pays for fire damage, property loss, and legal defense—potentially saving you $100,000+ in claims.
Risk
Your apprentice receives a serious electrical shock while working on a panel upgrade.
Workers' Compensation
Covers all medical treatment, lost wages, and rehabilitation. Protects you from personal liability lawsuits.
Risk
Your apprentice receives a serious electrical shock while working on a panel upgrade.
Workers' Compensation
Covers all medical treatment, lost wages, and rehabilitation. Protects you from personal liability lawsuits.
Risk
Your service van is broken into overnight and $8,000 worth of tools and test equipment is stolen.
Commercial Auto + Inland Marine
Reimburses you for stolen tools and equipment so you can get back to work without the financial hit.
Risk
Your service van is broken into overnight and $8,000 worth of tools and test equipment is stolen.
Commercial Auto + Inland Marine
Reimburses you for stolen tools and equipment so you can get back to work without the financial hit.
Why Choose Us
Why electricians choose 1-800-INSURANCE
- Instant certificates of insurance (COIs) for GCs and property owners
- Coverage for residential, commercial, and industrial electrical work
- Completed operations coverage for post-job protection
- Tools and equipment coverage for theft and damage
- Agents who understand electrical contractor classification codes
- Fast additional insured endorsements for project requirements
Essential coverage for electricians
Compare quotes and get the specific policies your electrical business needs
General Liability
Protect against fire damage, property damage, and injury claims from your electrical work.
Workers' Compensation
Required coverage for employees. Covers electrical shock, falls, and workplace injuries.
Commercial Auto
Coverage for your service vehicles and the tools you carry to job sites.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Electrician Insurance FAQs
What insurance do I need as an electrician?
+
Most electricians need General Liability (with completed operations coverage), Workers' Compensation if you have employees, and Commercial Auto for your service vehicle. Many also need Inland Marine coverage for tools and equipment.
Why is electrician insurance more expensive than other trades?
+
Electrical work carries higher fire and electrocution risk, which increases liability exposure. Classification codes for electricians typically have higher rates than lower-risk trades. A clean safety record and proper training documentation can help reduce your premiums.
Does my policy cover work I did months ago?
+
Yes, if you have completed operations coverage (included in most GL policies). This covers claims arising from work you've already finished—like a fire caused by wiring you installed six months ago.
Do I need special coverage for solar installations?
+
Often yes. Solar electrical work may require additional coverage or a different classification code. Some carriers exclude solar work from standard electrician policies. Tell your agent about all the types of electrical work you perform.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.