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Protect your tools, your truck, and your liability exposure with insurance built for residential and commercial electricians. Electrician insurance covers the unique risks of working with live wires, ladders, and expensive testing equipment.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Electrical work is one of the most dangerous trades in construction. You’re exposed to arc flashes, electrical shocks, fire hazards, and property damage claims daily. One wiring mistake can burn down a client’s home, and your business if you’re not properly insured.
A loose wire connection causes an electrical fire that damages a client's wall and framing. Your electrician liability insurance covers the repair costs and legal defense.
An apprentice touches a live wire and suffers severe burns. Electrician business insurance covers all medical bills, lost wages, and rehabilitation costs through workers' comp.
A voltage mismatch fries a client's $10,000 commercial kitchen equipment. Your electrician public liability insurance covers the replacement cost and any resulting claims.
Thieves break into your parked truck and steal $8,000 worth of meters, wire pullers, and power tools. Your electrician insurance policy includes tools coverage for full replacement.
A complete electrical contractor insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed on a job site.
Whether you’re doing residential service calls, commercial build-outs, or industrial electrical installations, we have an electrician insurance coverage program designed for your specific scope of work and risk profile, because a residential service electrician and a commercial high-voltage installer need completely different coverage.
Home wiring, panel upgrades, lighting installation, ceiling fans, outlet repairs, and full home rewires
Office buildings, retail stores, warehouses, data centers, and mixed-use commercial properties
Factory wiring, manufacturing equipment, high-voltage systems, motor controls, and automation
Security systems, data cabling, fiber optics, home theater, audio-visual, and network infrastructure
Panel installation, inverter wiring, battery backup systems, and grid-tie connections for residential solar
Working under general contractors on new construction, renovations, and large commercial projects
Every state has different requirements for electrical licensing and insurance minimums. We help you stay compliant with state laws and help you win contracts that require electrician insurance coverage like additional insured endorsements and waivers of subrogation.
Electrician insurance cost depends on your annual payroll, total revenue, type of electrical work, and claims history. Residential electricians typically pay less than commercial or industrial contractors due to lower voltage exposure.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most electrical contracts
COI issuance, Certificate of Insurance when you need it for a job bid
Carrier partners, we shop for the best rate for your trade
Electricians insured across the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
Electrical license type, annual revenue, payroll, number of employees, and typical project scope, residential, commercial, or industrial
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Umbrella based on your specific electrical operations
Receive clear quotes from multiple A-rated carriers, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for permits, bids, and general contractor requirements
Yes, most states require at least general liability insurance to obtain or renew your electrical license. Additionally, many homeowners and general contractors will not hire an uninsured electrician. Self employed electrician insurance is essential even without employees.
Yes, but only if you have tools and equipment insurance. Your general liability policy does not cover your own tools or equipment. We’ll help you get the right electrician insurance policy for meters, testers, power tools, and wire pullers.
General liability covers damage or injury that happens during your work, like starting a fire while wiring a panel. Completed operations covers claims that arise after you finish, like a loose connection causing a fire months later. Most electrician liability insurance includes both.
Yes, we offer electrician insurance online quote tools that give you instant estimates based on your revenue, payroll, and license type. Same-day binding and instant COI available. A quick call often saves you money because we ask the right questions for your specific electrical work.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. For permits due tomorrow, we can have your COI in hand before you submit. Being electrician insured is often the only thing holding up a permit or contract.
Complete coverage for GCs who hire electrical subs, including additional insured requirements and waiver of subrogation
Liability, tools, and commercial auto for heating and cooling professionals who work alongside electricians on job sites
Tools and equipment coverage for plumbers, many of whom also do basic electrical work on water heaters and pumps
Flexible coverage for multi-trade professionals who do electrical work alongside plumbing, painting, and general repairs
Specialized coverage for solar panel installation, including liability, tools, and completed operations for renewable energy work
Targeted coverage for data cabling, security systems, fiber optics, and home automation specialists
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
