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 insurance from top providers.
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.
These insurance policies cover the common risks electrical contractors face.
General liability coverage helps electricians pay for common third-party accidents. Bundle with commercial property insurance for savings in a business owner's policy (BOP).
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for electricians.
Most states require workers' comp insurance for electrical businesses with employees. For sole proprietors, it covers workplace injuries that your health insurance might deny.
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.
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.
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).
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:
It’s easy to get insurance coverage and surety bonds 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:
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.