EV-Charger Installer Insurance

What’s Covered Under EV-Charger Installer General Liability Insurance?

Third-party bodily injury (e.g., someone trips over a cable at the site)
Third-party property damage during installation (e.g., damaging a client’s wall or sidewalk)
Legal defense costs if you're sued for those accidents during your work

What’s Not Covered — Is EV-Charger Installer General Liability Required?

Intentional acts or criminal wrongdoing
Damage to your own tools, equipment, or vehicle
Professional errors (like miswiring) — that’s a gap for E&O insurance
Employee injuries — that’s workers’ compensation
In many areas, electrical contractors—including EV charger installers—must carry general liability, and often workers’ comp and license-necessary insurance too.

Requirements vary by state — check with your local licensing board or insurance agent.

What Else Is Needed

Professional Liability (E&O) — covers design mistakes, code mishaps, miscommunications
Workers’ Compensation — mandatory in most states if you have employees
Tools & Equipment Insurance — protects your gear from theft or damage
Commercial Auto Insurance — if you drive equipment to job sites
Cyber Liability — useful if you manage connected chargers, payment systems, or client data
Equipment Breakdown or Property Insurance — covers damage to installed charging units or infrastructure

How Much It Costs

General Liability: Depends on coverage limits, business size, location, and claims history
Additional coverages (E&O, workers’ comp, tools, equipment) scale similarly—based on your revenue, staff, and risk level
Compare quotes: each insurer weighs factors differently (like safety training, certifications, installer experience)

FAQs for EV-Charger Installer Insurance

Do I need general liability insurance to install EV chargers?
Yes—many jurisdictions require it; it protects against client injuries or property damage that's blamed on your work.

Does general liability cover installation mistakes?
No—that falls under professional liability or E&O insurance.

What covers my tools if they’re stolen?
Tools & equipment insurance is what you'd need.

My tech uses software to track jobs—do I need cyber coverage?
If you store client data or use payment systems, cyber liability insurance can be important.

What if one of my employees gets hurt on site?
That’s what workers’ compensation is for—and it’s often required by law.

Are my actual chargers covered if they break?
Equipment breakdown or property insurance can cover those physical units.

How do I prove I’m insured to a client?
Use certificates of insurance (COIs) from your insurer—many clients ask as a condition of hire.

Do I need commercial auto insurance?
You only need this if you drive vehicles owned by your company, or for business purposes. Like if you drive equipment to a location, that's a business use of a vehicle, even if it's privately owned.

Get EV-Charger Installer Liability Insurance

EV-charger installers, meet your insurance match: USA Insurance, rooted in Burbank with almost two decades of experience.

We’re a nationwide agency—that means our U.S.-based agents are licensed in all 50 states—so you get both local knowledge and broad reach.
We specialize in small businesses: artisan contractors, retailers, service providers, manufacturers—you name it.
We take time to learn your setup and craft coverage that gives you confidence, not clutter.

Start Your Quote Now!