Electrical Contractors We Work With
Whether you run a one-truck service business or multiple crews on commercial jobs, the right policy depends on the type of work, where you do it and who you work for.
- Residential service & remodel
- New construction wiring
- Commercial & industrial electrical
- Low-voltage, data & security systems
- Generators & EV charger installs
- Solar & energy upgrades
Where Electrical Claims Usually Come From
These are common exposures for electricians. How a claim is handled always depends on the facts and on your actual policy wording.
Fire and Damage After the Job
A loose connection or overloaded circuit can lead to a fire weeks or months after you've finished. That's a completed operations exposure, and it can be severe.
Injuries on the Job
Shock, arc flash, falls from ladders and lifts, and work in attics and crawlspaces make injuries a real cost for electrical crews.
Vans and the Drivers in Them
Service vehicles are on the road all day, often driven by employees, and loaded with wire, parts and tools.
Tools, Equipment and Materials
Meters, wire pullers, benders, lifts and copper on job sites are frequent theft targets.
Design and System Work
If you design systems, size services or program controls, a mistake can cause a financial loss without any physical damage. That's a professional liability exposure a general liability policy may not cover.
Coverage Electricians Should Consider
| Coverage | What it's generally for |
|---|---|
| General liability | Third-party bodily injury and property damage from your operations, including completed operations when included in the policy. |
| Workers' compensation | Employee injuries on the job. Requirements depend on your state and how your business is set up. |
| Commercial auto | Vans and trucks used for business. Hired & non-owned auto can cover employees driving their own vehicles for work. |
| Contractor's equipment (inland marine) | Tools, equipment and materials that move between your shop, vehicles and job sites. |
| Professional liability (E&O) | Financial loss from design, specification or programming errors, for contractors who do that work. |
| Commercial umbrella | Extra liability limits above your GL, auto and employer's liability. Often required by commercial contracts. |
| Business owners policy (BOP) | For eligible smaller shops: property and liability packaged together. |
| License, permit & contract bonds | Required by some municipalities, owners or general contractors before work begins. |
Good to know: General liability usually responds to damage your work causes, not the cost of redoing the work itself. Ask us how your policy treats this.
The Fine Print
Policy Wording Worth a Second Look
Two policies with the same limits can respond very differently. These are details we check on every electrical contractor policy we review.
CG 21 39Contractual liability limitation
What it does: Narrows coverage for liability you take on in a contract, like the hold-harmless and indemnity clauses in many subcontracts.
Why it matters: If your contract promises to defend the GC or property owner, this endorsement can leave that promise uninsured.
CG 22 94Subcontracted work exclusion
What it does: Can remove coverage for damage to your completed work when the work was performed by subcontractors on your behalf.
Why it matters: If you sub out trenching, low-voltage or specialty work, a problem with their work could become your uncovered problem.
CG 21 16Designated professional services exclusion
What it does: Excludes claims arising from listed professional services, such as design or engineering.
Why it matters: If you design systems or size services, that work may need professional liability coverage alongside your GL.
ClassThe wrong job description
What it does: Your policy is rated and written for a specific classification, such as residential electrical.
Why it matters: If you've grown into commercial, industrial, solar or low-voltage work and your classification hasn't changed, coverage disputes and audit surprises become more likely.
60-Second Gap Check
How exposed is your electrical business?
Seven quick yes-or-no questions. Each "yes" is a spot where your policy wording deserves a closer look. Your answers stay in your browser; nothing is sent.
Contracts and Certificates
General contractors, property managers and owners often require specific insurance terms before you can start. We review those requirements against your policy before you sign, then issue certificates quickly.
- Additional insured (ongoing & completed operations)
- Waiver of subrogation
- Primary & non-contributory wording
- Specific limits or umbrella requirements
- Per-project aggregate limits
- Certificate holder & notice requirements
What We'll Ask for Your Quote
Having these ready makes quoting faster. We'll walk you through anything you're unsure of.
- Years in business and licenses held
- Estimated annual revenue and payroll
- Residential vs. commercial work split
- Types of work (service, new construction, low-voltage, solar)
- Subcontractor costs and their insurance
- Vehicles, drivers and garaging address
- Current policies or declarations pages
- Claims history (loss runs, if available)
Skip the paperwork. Sign in to your current insurance company and securely share your policy details with us in a few minutes.
Share My Current PolicyElectrician Insurance FAQ
Does general liability cover a mistake in my own work?
Generally, general liability is designed for damage your work causes to other property or injuries to others, not the cost of fixing or replacing your own faulty work. Exact coverage depends on your policy wording, so let us review yours.
Do I need professional liability as an electrician?
If you only install to someone else's design, you may not. If you design systems, size services or program controls, a professional liability policy can fill a gap that general liability often excludes. We'll help you decide.
Are my tools covered under my auto or GL policy?
Usually not. Tools and equipment are typically covered under a separate contractor's equipment (inland marine) policy. Some business owners policies include limited coverage.
Do you only work with electricians in Pennsylvania?
We're based in Phoenixville and licensed in Pennsylvania, New Jersey, Delaware, Maryland, Ohio, Indiana, South Carolina, Georgia, Florida and Nevada.