Electrician Insurance — wired right.
From service calls to new construction, electricians carry a long liability tail — a fire blamed on your wiring can arrive years later. We build coverage that matches your mix: GL, comp, the van, and the license bond.
Coverage you probably need
General Liability
Injury and property damage, including completed operations — the fire-years-later exposure. What is general liability? →
Workers Compensation
Code 5190 — moderately rated, required with employees in most states. What is workers compensation? →
Commercial Auto
The service van and everything in it, on the road all day. What is commercial auto? →
Inland Marine (Tools)
Testers, benders, and power tools — van break-ins are the frequency claim. What is inland marine (tools)? →
License/Permit Bond
Most jurisdictions require a bond to pull permits; we arrange it with the policy. What is license/permit bond? →
What can go wrong
- A fire is attributed to your wiring long after the job.
- An apprentice is shocked or falls from a ladder.
- Your van is broken into overnight — tools gone.
- A breaker panel install damages a customer's equipment.
- A GC demands a COI you can't produce fast enough.
What carriers usually ask
- Residential vs. commercial/industrial split.
- Service work vs. new construction percentages.
- Payroll and apprentice/journeyman ratios.
- Solar, generator, or high-voltage work.
- License status and jurisdictions worked.
Common contract wording
Commercial contracts typically require $1M/$2M GL with additional insured status and often a waiver of subrogation on comp. License boards commonly require bonds and proof of GL to keep your license active.
State notes: Licensing and bond requirements vary by state and even by city; we align the insurance and bonds with every jurisdiction you work.
Get covered for Electrician Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentElectrician Insurance FAQs
Does GL cover work I finished years ago?
Completed operations claims are covered by the policy in force when the claim is made — which is why continuous coverage matters more for electricians than almost any trade.
Do I need a bond and insurance?
Usually yes — the bond satisfies the licensing board; the insurance protects you and your customers. They do different jobs.
Is low-voltage work cheaper to insure?
Often, yes — data/AV/security installers can class differently than full electrical. Tell us your real mix.
Can you cover solar installs?
Yes, with markets that understand roof-mounted work — expect roofing-adjacent underwriting for rooftop arrays.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.