Electrician Insurance
Electrician insurance protects against injuries, property damage, and legal claims. Key coverages include general liability, workers’ comp, commercial auto, and tools insurance. Costs vary by business size, services, and coverage. Compare quotes and bundle policies to save.
Choose the right coverage from trusted insurance providers.
Why do electricians need insurance?
Electricians face various risks like fires, injuries from live wires, and accidental damage to a client’s home. These potential issues can cause downtime and significant losses.
Having the right electrician insurance, like the affordable and reliable coverage offered by Eagle Nation Insurance, helps prevent costly setbacks and ensures peace of mind.
With affordable coverage from top providers, electricians can protect themselves and their clients from unexpected events.
What types of business insurance do electricians need?
Electricians require several types of insurance to cover the common risks they face. These include general liability insurance for accidents and property damage, workers' compensation for injuries, and professional liability to cover errors or omissions in their work. Additionally, electrical contractor insurance ensures protection against unexpected losses or downtime due to incidents, safeguarding both their business and clients.
Business owner’s policy
This policy conveniently bundles commercial property and general liability insurance into one cost-effective plan for dealers. A BOP is ideal for securing auto shop insurance and shielding businesses from financial losses.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial auto insurance
A policy designed for dealers and repair shops helps pay for property damage and medical bills after an accident. It is required in many states for businesses that own cars.
Under this plan
Car accident repair costs
Vandalism and theft
Weather damage
General liability insurance
This policy covers basic liabilities for auto service businesses, protecting against dealer risks like customer injury at a repair shop. To maximize savings, businesses can bundle it with property insurance or a business owner’s policy for broader coverage.
Under this plan
Customer injuries at a repair shop
Accidental vehicle damage
Slander and advertising injuries
Workers’ compensation insurance
Workers’ comp is required for auto shops in almost every state to cover employee injuries and related costs. It protects both employees and sole proprietors by handling work injury costs that health insurance might deny.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits
Tools and Equipment Protection Plan
Contractor’s tools and equipment insurance helps protect your construction gear no matter where you go. This policy keeps your tools and equipment safe while you’re moving them (in transit) or using them at a jobsite. To qualify, your items usually need to be valued under $10,000.
Under this plan
Equipment less than five years old
Mobile equipment
Small toolsa
Professional Liability Protection Plan
Professional liability insurance for contractors, also known as errors and omissions insurance, protects against financial losses when a construction mistake or oversight causes a lawsuit. This policy is key for handling claims related to your work and promises made to clients.
Under this plan
Accusations of negligence
Failure to complete construction
Failure to use promised materials
What Affects the Cost of Electrician Insurance?
The cost of electrician insurance depends on many things, especially whether you’re an electrical contractor working alone or managing a business with several electricians.
Based on my experience, important factors include the services you provide, like residential wiring or commercial wiring along with the value of your property and equipment. The size of your business, your revenue, and whether you’re a small business also matter.
Your choices for policy limits, deductibles, and optional endorsements will further affect your rate. Many contractors find that the more tailored the plan, the better the price and coverage balance.
Getting Insurance for Electrical Contractors
If you’re an electrical contractor, getting insurance is quick and simple when you have your business details ready. From personal experience, all you need is basic info like your revenue and how many people you employ in your small business.
You can easily apply online, compare quotes, and choose a plan that works best for you. Once selected, just pay and download your certificate. Licensed agents help match electrician businesses, whether you’re solo or have a team, with the most affordable coverage from top U.S. providers.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
Common Questions About Electrician Insurance
Yes, most places require electricians to have a license, and often you’ll also need permits and bonds to legally run your business. Even in areas that don’t require a state license, local rules might still apply. Usually, you’ll need to spend a few years working as an apprentice before you can take the licensing exam. Having the right permits, insurance, and bonds shows clients that you're trustworthy and helps protect them if anything goes wrong on a job.
If you're a self-employed electrician, you’ll need insurance to meet legal requirements, build client trust, and avoid major losses. Important policies include workers' compensation (if you get hurt on the job), commercial auto insurance (for work vehicles), general liability (for property damage or customer injuries), tools and equipment insurance (to protect your gear), and commercial property insurance (for your tools, even if you don’t have a shop). Always check local rules to make sure you’re fully covered.
You need commercial auto insurance if your business owns a vehicle or you use your car for work, because regular auto insurance won’t cover work-related accidents. This policy pays for property damage, medical bills, or legal fees if you're involved in an accident while on the job. If you drive a rented or personal vehicle for work, you’ll need hired and non-owned auto (HNOA) insurance instead, since your normal insurance won’t help in a business situation.
Yes, even if it’s not required by law, professional indemnity insurance (or professional liability) is smart to have. It protects you if a client claims your mistake, like faulty wiring or bad advice, caused them a loss. This can include missed deadlines, errors, negligence, or even contract issues. A single lawsuit could be costly, but this insurance covers legal expenses and damages, giving you peace of mind while you focus on your work.
Finding affordable liability insurance as an electrician is easier when you compare quotes online. Sites like Insureon let you get quick quotes from different companies. You can save more by bundling policies (like a business owner's policy that includes property and general liability), increasing your deductible, or running a safe operation with fewer claims. Customizing your plan based on your actual business risks also helps lower costs without cutting important coverage.
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"Easy to compare quotes and get covered fast. Got the exact policies I needed for my small electrician business—super convenient and affordable!"