Insurance for Electricians
Electrical work carries real consequences when something goes wrong — a miswired panel, a fire claim years after the job, an apprentice hurt on a ladder. We build coverage for licensed electricians that matches the actual risk of the trade, not a boilerplate contractor policy.
Coverage We Build Around Your Business
Real Risk, Real Coverage
A wiring job is linked to a fire or electrical failure months or years after completion.
General liability with completed-operations coverage protects you even after the job is finished and the crew has moved on.
A general contractor won't let you on a job site without proof of coverage and specific limits.
We match your certificate of insurance to what GCs actually require, so you're never turned away at the gate.
An apprentice or employee is injured working with live circuits or from a fall.
Workers' compensation covers medical costs and lost wages, and helps protect your business from a lawsuit over the injury.
Questions We Hear Often
Fire and electrical-failure claims tied to your workmanship are typically covered under your general liability policy's completed operations coverage — we make sure that's explicitly included, not assumed.
It varies by GC and project size, but $1M per occurrence / $2M aggregate is common on residential and light commercial work; larger commercial jobs may require more. We help you carry limits that keep you eligible for the jobs you want.
With inland marine (tools & equipment) coverage, yes — your gear is covered wherever it is, not just at a fixed job site or shop.
Georgia doesn't require it for sole proprietors with no employees, but many GCs require proof of coverage (or an owner's exemption on file) before letting you on a job site.
Tell us a little about your business and we'll shop it across our carrier network to find the right fit.
Request a Commercial Quote