Electrician Insurance

As an electrician, carrying the right insurance is crucial to protecting your business from various risks that can arise on the job. Electricians’ insurance typically covers general liability, which helps protect against third-party claims for bodily injury or property damage that may occur while you're working on a project. Industry-standard liability insurance limits are usually set at $1,000,000 per occurrence and $2,000,000 aggregate.

Without this coverage, you could be held personally responsible for significant financial losses if an accident happens, whether it's a fire caused by faulty wiring or an injury from electrical shock.

General Liability

Inland Marine

Worker's Comp

Commercial Auto

Electrician Insurance Requirements

In the United States, the requirement for electricians to carry a contractor's license varies by state. Generally, states fall into three categories:

States Requiring a Contractor's License for Electricians:

California: Electricians must have a C-10 Electrical Contractor's License.
Florida: Requires an Electrical Contractor's License for certain types of work.
Texas: Requires a Master Electrician's License or Electrical Contractor's License.
New York: Licensing is handled at the city or county level, but many areas require an electrical contractor's license.
Arizona: Requires a state-issued electrical contractor's license.
Nevada: Requires an electrical contractor's license for certain work.
Louisiana: Requires an electrical contractor's license for specific types of work.
Tennessee: Requires a contractor’s license for electrical work over a certain value.
North Carolina: Requires an electrical contractor's license.
South Carolina: Requires a contractor's license for electricians.

Additional Coverage Options for Electricians

Business Owner's Policy (BOP): This combines general liability and property insurance, offering comprehensive protection for your business in one package.
Business Auto Insurance: Covers vehicles used for work, protecting against accidents, theft, and other damages.
Surety Bond: Guarantees that you will fulfill contractual obligations, providing clients with financial protection if you fail to complete a project.
Workers' Compensation: Required in most states, this coverage pays for medical expenses and lost wages if you or your employees are injured on the job.
Excess Liability Insurance (Umbrella): Offers additional coverage beyond the limits of your general liability policy, providing an extra layer of protection.

Claim Examples for Electricians

Bodily Injury: A client trips over your toolbox while you’re installing wiring and suffers a severe injury.
Property Damage: You accidentally cause a power surge that damages a client’s expensive electronics.
Business Interruption Loss: Your business operations are halted for several weeks due to a fire at your workshop, leading to significant revenue loss.
Business Personal Property Loss: A break-in at your storage facility results in the theft of expensive tools and equipment.

How to File a Business Insurance Claim

States Requiring Licensing but Not a Contractor’s License

In many states, electricians are required to have a journeyman or master electrician license but not necessarily a contractor’s license. These states include:

Michigan
Ohio
Virginia
Illinois (local regulations may apply)

States with Local Jurisdictions Controlling Licensing Requirements

New York (varies by city or county)
Illinois (some cities require contractor licensing)
Colorado (state requires licensing, but some cities might have additional requirements)

How Much Is Electricians' Insurance?

The cost of insurance for electricians varies based on several factors, including the size of your business, the scope of your projects, your location, and your claim's history. While I can’t provide exact rates here, I can tell you that competitive rates are available for electricians with good safety records and minimal claims. Below are some potential options we may offer to fit your needs.

Electricians' Insurance Q&A

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

How do I get a certificate of insurance?

Once you purchase an insurance policy with USA Insurance, we will email your certificate of insurance. This document serves as proof of your coverage and is often required by clients before you can start a job.

How soon can I get electricians' insurance?

The buying process can take less than 15 minutes. Once your application is completed and approved, your coverage can start immediately.

What should I know before buying electricians' insurance?

Obtain all your insurance requirements from your contractors, subcontractors, vendors, clients, state or local government office, or whoever wants to check your insurance before you purchase this insurance. This ensures all your requirements are addressed.

How is the price of electricians' insurance determined?

Insurance premiums are based on several factors, including but not limited to the location, operation characteristics, number of owners, employees, claim history, and more.

How can I prevent jobsite accidents?

To prevent jobsite accidents, always wear appropriate personal protective equipment (PPE), ensure that all electrical systems are de-energized before work, use insulated tools, and regularly inspect equipment for defects. Additionally, maintain a clean work area to avoid tripping hazards and conduct routine safety meetings.