Types of Electrical Contractors we work with:​

• Residential Electrical Contractors

• Commercial Electrical Contractors

• Industrial Electrical Contractors

• Fire Alarm Electrical Contractors

• Security Alarm Electrical Contractors

• Maintenance and Service Contractors

• Lighting Installation

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What does Electrical Contractor Insurance Cover?

• Contractor General Liability Insurance

  • This coverage protects electrical contractors against claims of bodily injury or property damage caused by their work. For example, if a contractor's work causes an electrical fire that damages a client's property or if a third party is injured due to electrical work, this insurance can cover legal fees, medical expenses, and potential settlements or judgments.

• Property Insurance

  • This coverage protects an electrical contractor's own property, including tools, equipment, and supplies, against damage or loss due to events like fire, theft, or vandalism. It may also cover damage to a client's property caused by the contractor's negligence.

• Workers Compensation Insurance

  • If you have employees you will need to carry workers compensation insurance. This policy covers work-related injuries/illnesses that your employees may sustain during their employment. Finding the right work comp for your electrical business is important. ​

  • Even if your construction workers are paid 1099, you may need to insure them on a workers compensation policy. 

• Commercial Auto Insurance

  • If an electrical contractor uses vehicles for business purposes, commercial auto insurance is necessary. This coverage protects against accidents, property damage, and liability claims while driving company vehicles.

• Umbrella Insurance

  • This type of insurance provides additional liability coverage above the limits of general liability insurance, business auto liability, and employers liability. It helps protect electrical contractors from significant lawsuits or claims that exceed their primary insurance coverage limits. ​

• Bonds

  • License and permit bonds. If you are working on public jobs, you may need a license and permit bond prior to working. 

  • Payment and Performance bonds. General Contractors and property owners may require a performance bond prior to starting a job.