Business Insurance for Electricians

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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.

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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 icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

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.

  • 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?

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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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