Business insurance • Pennsylvania electrical contractors
Pennsylvania Electrical Contractor Insurance: Local Licenses, HICPA, and Coverage
Pennsylvania does not issue a statewide electrician license, so cities set the rules. Philadelphia’s Electrical Contractor License requires $500,000 of general liability per occurrence, $300,000 of auto liability, and workers’ compensation, while Pittsburgh requires $1,000,000/$2,000,000 of liability. Covered home improvement work also falls under HICPA.
This guide covers Pennsylvania electrical licensing, city insurance rules, HICPA, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Pennsylvania, and a licensed agent can compare quotes for your electrical business.
Request a Pennsylvania electrical insurance quote
Tell us about your electrical business and where you work, and a licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Start a business insurance quote online with one of our partners, without waiting for a call back.
Get a quote from ERGO NEXT →General liability, workers’ compensation, business owner’s policies, professional liability, and commercial auto.
Start an application with First Connect →Quotes from multiple insurance carriers through our First Connect portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
Pennsylvania electrical rules
| Where | Requirement | Insurance |
|---|---|---|
| Philadelphia | Electrical Contractor License | $500,000 general liability per occurrence, $300,000 auto liability, workers’ comp $100,000/$100,000/$500,000 |
| Pittsburgh | City Electrical Trade License with ICC exam and six years of experience or education | $1,000,000/$2,000,000 liability and workers’ comp |
| Statewide home improvement | HICPA registration at $5,000 or more a year | $50,000 personal injury and $50,000 property damage |
Sources: Contractor License Requirements (Pennsylvania electrician guide), Pennsylvania Attorney General.
Coverage most Pennsylvania 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 Pennsylvania 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.
Pennsylvania electrical insurance FAQs
Does Pennsylvania have a state electrician license?
No. Cities such as Philadelphia and Pittsburgh license electricians locally.
How much insurance does a Philadelphia electrical contractor need?
$500,000 of general liability per occurrence, $300,000 of auto liability, and workers’ compensation.
Do Pennsylvania electricians need HICPA registration?
Yes, if they do $5,000 or more of covered home improvement work a year.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
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
Tell us about your Pennsylvania electrical business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
