Business insurance • Electrical contractors
Electrical Contractor Insurance: Coverage, Costs, and State Requirements
Electricians face fire and shock risks, job site injuries, and vehicle exposure. Most electrical businesses carry general liability, workers’ compensation, commercial auto, and tools coverage, and many states tie insurance to the electrical contractor license. General liability costs about $61 a month for electricians, according to Insureon.
This guide covers the policies electricians carry, typical costs, and how requirements vary by state, with a local guide for each state we serve. Blake Insurance Group is an independent agency, and a licensed agent can compare quotes for your electrical business.
Request an electrical contractor insurance quote
Tell us about your electrical business, crew size, and the work you do, and a licensed agent will follow up. Submitting the form does not bind coverage.
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What electrical contractor insurance covers
- 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 electrical insurance costs
| 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.
Electrical insurance by state
Electrical licenses, bonds, and insurance rules vary by state. Choose your state for local requirements:
- Alabama electrical contractor insurance
- Arizona electrical contractor insurance
- California electrical contractor insurance
- Florida electrical contractor insurance
- Georgia electrical contractor insurance
- Illinois electrical contractor insurance
- Iowa electrical contractor insurance
- Kansas electrical contractor insurance
- Michigan electrical contractor insurance
- Nebraska electrical contractor insurance
- New Jersey electrical contractor insurance
- New Mexico electrical contractor insurance
- New York electrical contractor insurance
- North Carolina electrical contractor insurance
- Ohio electrical contractor insurance
- Oklahoma electrical contractor insurance
- Pennsylvania electrical contractor insurance
- South Carolina electrical contractor insurance
- South Dakota electrical contractor insurance
- Tennessee electrical contractor insurance
- Texas electrical contractor insurance
- Virginia electrical contractor insurance
- Washington electrical contractor insurance
- West Virginia electrical contractor insurance
What affects your premium
- Payroll and crew size, which drive workers’ compensation cost.
- Residential service versus new construction, commercial, and industrial work.
- High-voltage, solar, and low-voltage specialties.
- Number of service vehicles and driver records.
- Claims history, years in business, and limits your clients require.
Electrical contractor insurance FAQs
How much is electrical contractor insurance?
Median costs are about $61 a month for general liability and $140 a month for workers’ compensation for electricians, based on Insureon customers.
What insurance do electricians need?
Most need general liability, workers’ compensation if they have employees, commercial auto, and tools coverage. Many states require proof of insurance for the license.
Does general liability cover a fire caused by my work?
General liability can cover property damage to others caused by your work, subject to the policy’s terms and exclusions. Ask your agent how your policy handles completed work.
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 electrical business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
