Business insurance • South Carolina electrical contractors
South Carolina Electrical Contractor Insurance: License Groups, $100,000 Liability, and Workers’ Comp
South Carolina’s Contractor’s Licensing Board licenses commercial electrical work as a Mechanical Contractor–Electrical classification when a job exceeds $10,000. Each license group carries a job limit and financial requirement, and renewal requires a general liability certificate of at least $100,000. Residential electrical contractors are licensed separately, and employers with four or more workers need workers’ comp.
This guide covers South Carolina electrical licensing, license groups, insurance, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in South Carolina, and a licensed agent can compare quotes for your electrical business.
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South Carolina electrical license groups
| Group | Job limit | Working capital or net worth |
|---|---|---|
| Group 1 | $35,000 | $3,500 or $7,000 |
| Group 2 | $100,000 | $10,000 or $15,000 |
| Group 3 | $200,000 | $20,000 or $30,000 |
| Group 4 | $400,000 | $40,000 or $60,000 |
| Group 5 | Unlimited | $200,000 or $300,000 |
A continuous surety bond for the group can replace the financial statement. Renewal requires general liability of at least $100,000 with the board as certificate holder. Source: Contractor License Requirements (South Carolina electrician guide).
See our South Carolina contractor license bond guide.
South Carolina workers’ compensation
Employers that regularly have four or more workers must carry workers’ compensation. Employers with a total annual payroll under $3,000 are exempt (SC Workers’ Compensation Commission).
Coverage most South Carolina 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 South Carolina 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.
South Carolina electrical insurance FAQs
When do South Carolina electrical contractors need a state license?
When commercial electrical work on a job exceeds $10,000.
How much liability insurance does a South Carolina electrical contractor need?
Renewal requires at least $100,000 of general liability with the board as certificate holder.
Do South Carolina electricians need workers’ comp?
Employers that regularly have four or more workers must carry it.
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 South Carolina electrical business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
