Business insurance • Georgia electrical contractors
Georgia Electrical Contractor Insurance: Class I and Class II Licenses and Workers’ Comp
Georgia’s Construction Industry Licensing Board licenses electrical contractors as Class I, restricted to smaller residential work and single-phase services up to 400 amps, or Class II, which is unrestricted. The license sets no statewide general liability minimum, but businesses with three or more employees must carry workers’ compensation.
This guide covers Georgia electrical licenses, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Georgia, and a licensed agent can compare quotes for your electrical business.
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Georgia electrical contractor licenses
| Class | Scope | Experience |
|---|---|---|
| Class I (restricted) | Single-family homes up to three levels, multifamily up to two levels, single-phase services up to 400 amps | Three years |
| Class II (unrestricted) | All other electrical work | Four years, including two on three-phase systems |
The license sets no statewide general liability minimum, though local jurisdictions, owners, and contracts may. Source: Contractor License Requirements (Georgia electrician guide).
Georgia workers’ compensation
Employers who regularly employ three or more people in Georgia must carry workers’ compensation, counting regular part-time workers, corporate officers, and LLC members (Georgia State Board of Workers’ Compensation).
Coverage most Georgia 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 Georgia 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.
Georgia electrical insurance FAQs
What is the difference between Georgia Class I and Class II electrical licenses?
Class I is restricted to smaller residential work and single-phase services up to 400 amps. Class II is unrestricted.
Does Georgia require general liability for electricians?
The license does not set a minimum, but local jurisdictions, owners, and most clients often do.
Do Georgia electricians need workers’ comp?
Businesses that regularly employ three or more people must carry it.
Related guides
Important information
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Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
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.
Your next step
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