Business insurance • Texas electrical contractors
Texas Electrical Contractor Insurance: TDLR License and $300,000 Liability
Texas electrical contractors are licensed by the Texas Department of Licensing and Regulation (TDLR) and must employ a licensed Master Electrician. The license requires general liability of at least $300,000 per occurrence, $600,000 aggregate, and $300,000 for products and completed operations. Contractors must show workers’ comp or elect not to carry it.
This guide covers Texas electrical licenses, TDLR insurance minimums, workers’ comp choices, and typical costs. Blake Insurance Group is an independent agency licensed in Texas, and a licensed agent can compare quotes for your electrical business.
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TDLR electrical contractor requirements
| Coverage | Minimum |
|---|---|
| General liability per occurrence | $300,000 combined bodily injury and property damage |
| General liability aggregate | $600,000 |
| Products and completed operations aggregate | $300,000 |
| Workers’ comp | Proof of coverage, self-insurance, or an election not to carry it |
| Master Electrician | Must be employed (or be the owner) |
Source: Texas Department of Licensing and Regulation. The application fee is $110.
Workers’ comp in Texas
TDLR accepts proof of workers’ compensation, a certificate to self-insure, or a statement electing not to carry coverage. Contractors who opt out must also file notice through the Texas Department of Insurance employer e-file system (Texas Department of Licensing and Regulation).
Coverage most Texas electricians carry
- General liability: third-party injuries and property damage, such as a wiring fault that starts a fire in a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop, wire, and stock.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including shocks and falls.
- Commercial auto: service vans and bucket trucks that carry crews and equipment.
- Tools and equipment (inland marine): meters, benders, lifts, and power tools on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Texas electricians pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $61 | $732 |
| Business owner’s policy | $100 | $1,198 |
| Workers’ compensation | $140 | $1,679 |
| Commercial auto | $275 | $3,304 |
| Tools and equipment | $42 | $503 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $74 | $886 |
Median costs for electricians who got quotes through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Texas electrical insurance FAQs
How much insurance does a Texas electrical contractor need?
At least $300,000 per occurrence, $600,000 aggregate, and $300,000 for products and completed operations.
Does a Texas electrical contractor need a Master Electrician?
Yes. The business must employ a licensed Master Electrician, who may also be the owner.
Is workers’ comp required for Texas electrical contractors?
No, but contractors who elect not to carry it must say so on the application and file notice with the Texas Department of Insurance.
Related guides
Important information
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Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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