Business Insurance for Electricians

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Electrical Work

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Why do electricians need insurance?

Fires, injuries from live wires, and accidental damage to a client's home are risks for every electrician. Avoid costly downtime and losses with affordable electrician's insurance from top providers.

Electrician in helmet and vest working on wires.

Find the right coverage

Insureon's licensed agents help electricians find policies that match their unique risks. Fill out our free online application to compare quotes from top-rated providers.

With the right insurance, you'll gain protection against financial losses and fulfill requirements you need to run your business.

What types of business insurance do electricians need?

These insurance policies cover the common risks of electrical work.

General liability insurance

General liability coverage helps pay for common third-party accidents. Bundle with commercial property insurance for savings in a business owner's policy (BOP).

BEST FOR

Customer bodily injury
Damaged customer property
Products-completed operations coverage

Workers’ compensation insurance

Most states require workers' comp for electrical businesses with employees. This insurance covers work-related injuries that a sole proprietor's health insurance might deny.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

Commercial auto insurance

This policy is required for vehicles owned by an electrical business. It covers third-party medical bills and property damage in the event of an auto accident.

BEST FOR

Physical damage and collision coverage
Third-party medical costs
Vandalism and theft

Contractor’s tools and equipment insurance

This type of inland marine insurance helps pay for the repair or replacement of an electrical contractor’s voltage testers, wire strippers, and other tools and equipment.

BEST FOR

Equipment less than five years old
Equipment that travels to job sites
Small tools

Professional liability insurance

A professional liability insurance policy covers legal expenses when an electrician's mistake or missed deadline leads to a lawsuit. It's also called errors and omissions insurance (E&O).

BEST FOR

Accusations of negligence
Failure to complete electrical work on time
Failure to deliver results as promised

Surety bonds

A surety bond is an agreement between an electrician, a client, and an insurance company. It guarantees the insurer will reimburse the client if the electrician fails to fulfill the terms of their contract.

BEST FOR

Project delays
Loss of key staff
Failure to obtain materials

Looking for different coverage? See more policies.

How much does electrician insurance cost?

Man in construction vest and helmet calculating insurance costs.

An electrical contractor working on their own will pay less for insurance than a business with several electricians. Factors that affect the cost of electrical business insurance include:

Services offered, such as residential or commercial wiring
Value of business property and equipment
Business size and revenue
Types of small business insurance purchased
Policy limits and deductibles

View Costs

How do I get electrical contractor's insurance?

It’s easy to get insurance coverage as an electrical contractor or company if you have your business information on hand. Our insurance application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits electrician businesses, whether you work independently or hire employees.

What our customers are saying

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