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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 insurance from top providers.
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 electrical contractors face.
General liability insurance
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).
BEST FOR
- Customer bodily injury
- Damaged customer property
- Products-completed operations coverage
Business owner's policy
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.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
Workers’ compensation insurance
Most states require workers' comp insurance for electrical businesses with employees. For sole proprietors, it covers workplace injuries that your health insurance might deny.
BEST FOR
- Medical expenses for work-related injuries and illnesses
- 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
Looking for different coverage? See more policies.
How much does electrician insurance cost?
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
How do I get electrical contractor's insurance?
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:
- 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 the most affordable coverage that fits electrician businesses, whether you work independently or hire employees.
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