Commercial Insurance for Electrical Contractors
Electrical Contractor Insurance — Workers Comp, GL & Commercial Auto
Electrical contractors face serious risks on every job site.
Working with live wiring, high voltage systems, and elevated
surfaces creates significant exposure for injuries and
property damage. The right insurance protects your business,
your employees, and your clients.
We specialize in commercial insurance for electrical
contractors across Texas, Tennessee, Georgia, and California.
Workers Compensation for Electrical Contractors
Workers comp is required for electrical contractors with
employees in most states. Electrical work is classified
under class code 5190 which covers wiring installation
and electrical work.
Your premium is based on payroll, class code, and your
experience modification rate. A high mod rate means you
are paying more than average. We shop multiple carriers
to find the most competitive rate for your situation.
General Liability for Electrical Contractors
General liability protects your business from third-party
claims of property damage or bodily injury. If you
accidentally damage a client’s electrical system or a
customer is injured at your job site, GL coverage pays
for the claim and legal defense.
Most general contractors and property owners require
electrical subcontractors to carry at least $1 million
in general liability before starting work. We can issue
certificates of insurance same day after binding.
Commercial Auto Insurance for Electrical Contractors
Your work trucks carry tools, wire, and equipment worth
thousands of dollars. Personal auto insurance does not
cover vehicles used for business. Commercial auto
insurance protects your vehicles and drivers on the job.
E&S Markets for Electrical Contractors
Some electrical contractors struggle to find affordable
coverage due to claims history or class code. We have
access to Excess and Surplus Lines markets that can
place coverage other agents cannot.
Frequently Asked Questions
What insurance do electrical contractors need?
Most electrical contractors need workers compensation,
general liability, and commercial auto insurance.
How much does electrical contractor insurance cost?
Workers comp for electricians typically runs $5-12 per
$100 of payroll depending on your mod rate and claims
history.
Can I get same day coverage?
Yes. We can bind coverage same day in most cases.
Certificates of insurance are issued immediately.
Get an Electrical Contractor Insurance Quote
Fill out the form above for a fast quote on workers comp,
general liability, or commercial auto for your electrical
contracting business. Most quotes delivered within 24 hours.
