Electrical Contractor Insurance
Electrical work carries fire, shock, and completed operations risk long after you leave the job. We place electricians with carriers that understand the difference between residential service work, commercial tenant improvements, and solar.
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Wage threshold applies to policies starting on or after September 1, 2026. See what changed and the 2028 workers' comp deadline.
Where electrical contractors get hurt by claims
These are the exposures carriers look at first when they price your policy.
Fire after completion
An electrical fire months after a job is a classic completed operations claim, and often a large one.
Shock and arc flash injuries
Injuries to your crew drive workers' comp claims. Injuries to others on site drive general liability claims.
Solar and battery work
Solar, EV charger, and battery storage installs are often rated differently. Make sure your policy lists that work.
Contract requirements
Commercial and public jobs often require higher limits, additional insured status, and primary and non-contributory wording.
Coverage most electrical contractors carry
We package these together so limits line up with your contracts and nothing overlaps.
General liability
Covers injury and property damage claims, including fires from completed work.
Workers' compensation
Required once you have employees. Required for every California license starting January 1, 2028.
Contractor license bond
Required to hold or renew your license.
Professional liability
Useful when you do design-build or load calculations for clients.
Tools and equipment
Covers meters, pullers, and copper stock on site.
Umbrella
Adds limits for commercial contracts that require more coverage.
Electrical insurance rules by state
California
C-10 electricians can file a no-employee workers' comp exemption until January 1, 2028. After that date, nearly every license class needs a policy.
California contractor insuranceNevada
Electricians need a Nevada State Contractors Board license and a bond. Workers' comp is required once you have employees.
Nevada contractor insuranceArizona
Electricians need an Arizona Registrar of Contractors license and a bond. Workers' comp is required once you have employees.
Arizona contractor insuranceTexas
Electrical contractors are licensed by the Texas Department of Licensing and Regulation, which also requires proof of insurance.
Texas contractor insuranceElectrical insurance questions
What insurance does an electrical contractor need?+
Most electricians carry general liability, workers' comp once they have employees, a contractor license bond, commercial auto, and tools coverage. Commercial work often adds an umbrella and specific contract endorsements.
Does my policy cover solar and EV charger installs?+
Not always. Many carriers rate solar, battery, and EV charger work differently from standard electrical work. Tell your broker about that work so it is listed and priced correctly.
What changed for California electrical workers' comp in September 2026?+
For policies starting on or after September 1, 2026, the wage threshold between the high-wage and low-wage electrical codes rose from $36 to $40 an hour. Workers paid below $40 now fall into the more expensive code.
How fast can I get a certificate for a commercial job?+
Once your policy is bound, we issue certificates the same day in most cases, including additional insured endorsements your policy allows.
Get your electrical insurance quote
Free and no obligation. Most quotes are returned within one business day.