Electricians insurance · Nationwide
Insurance that keeps your license, and your crew, current
Arc flashes, code violations, and a GC who won't let you on site without a certificate: electrical work carries its own specific risk. We connect you with specialists who insure it correctly the first time.
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Coverage electricians carry
Electrical work is judged on what happens after the panel is closed. A loose neutral or an undersized breaker can sit quietly for a year and then start a fire, which is why an electrician's policy is built around completed operations rather than the day on site.
General Liability
Third-party injury and property damage, including a fire traced back to work you signed off months ago.
Completed operations is the clause that matters here: a fire blamed on your panel work is a claim years after the invoice. Most GCs ask for $1M / $2M.
Workers' Compensation
Medical bills and lost wages when an apprentice takes an arc flash or falls off a ladder.
Required in nearly every state once an apprentice is on payroll. Arc-flash burns are the expensive claim. Carriers will ask what PPE and lockout procedure you run.
Commercial Auto
Service vans and the wire, conduit, and test gear inside them: liability, collision, and hired or non-owned autos.
A van full of copper is a rolling target. Commercial auto covers the vehicle; the load needs tools and equipment coverage, and most policies want both scheduled together.
Tools & Equipment
Meters, benders, and cable pullers stolen from the van or damaged on a site.
Standard property stops at your shop door. This follows the gear to the job, into the van overnight, and into storage between phases of a build.
Commercial Umbrella
Extra limits above general liability and auto when a commercial contract demands more than your base policy carries.
Commercial and institutional work routinely specifies $5M. Reaching that by raising the underlying limits costs far more than sitting an umbrella on top of them.
Commercial Property
Your shop, bench equipment, and stock of wire and fixtures against fire, theft, and storms.
Wire inventory is worth stealing and prices move fast, so check the limit against what copper actually costs rather than what you paid for the reel.
FAQFrequently Asked Questions
In most states, yes: licensing boards require proof of active general liability coverage (and often a bond) to issue or renew an electrical contractor's license, separate from whatever a GC requires on a specific job.
That's what completed-operations coverage, bundled into general liability, is for. It responds to damage or injury claims that surface after you've finished and left the site, not just accidents that happen while you're there.
Standard property policies often exclude equipment away from a fixed location. Inland marine, sometimes called contractors' equipment coverage, is built specifically to cover tools and test equipment in your vehicle or at a job site.
You still need your own coverage if you have any employees, and you should require subs to carry their own, but if an uninsured sub is injured on your job, your policy can end up on the hook. We'll help you structure it correctly.