Business Insurance for Electricians

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Electrical Work

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Save money by comparing insurance quotes for electricians

An electrical burn, company vehicle crash, or other incident could lead to costly downtime and losses. Protect your business with affordable, top-rated insurance for electricians.

Man in helmet and vest working on wires.

One application, multiple quotes

Insureon helps electricians compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do electricians need?

These policies provide coverage for the most common electrician risks.

General liability insurance

This policy covers common electrician risks, such as a client tripping on a loose cable and breaking a leg. Bundle with property insurance for savings in a business owner's policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Product liability insurance

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for electrician businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

Commercial auto insurance

Electrician insurance that covers third-party injuries and property damage caused by company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

BEST FOR

Physical damage and collision coverage
Injuries caused to another person
Vandalism and theft

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of an electrical contractor’s voltage testers, wire strippers, and other tools if they are lost, stolen, or damaged.

BEST FOR

Equipment less than five years old
Mobile equipment
Small tools

Looking for different coverage? See more policies.

Why do electricians need insurance?

Working with live wires incurs a high level of risk. Beyond the risk of bodily injury, a customer could file a lawsuit over property damage, or a company car could get in an accident. Electrical insurance can cover lawsuits and other expenses that your small business might otherwise struggle to pay.

How much does insurance cost for electricians?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

Electrical services offered, such as residential or commercial wiring
Business equipment and property
Revenue
Location
Number of employees

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