Industry guide
Insurance for electricians
Electrical contractors carry risks that can show up long after the work is done, and general contractors often set specific insurance requirements before you start. The questions to review are completed operations coverage, the classes of work on your policy, vehicles and tools, and how your crew is classified for workers' compensation.
Where insurance questions come from
Fire and damage claims after the job
Claims tied to finished electrical work are a completed operations question.
Commercial and residential work
The type of work you do, such as residential, commercial, or industrial, affects classification and exclusions.
Vans and tools
Service vehicles and the tools and wire carried in them need auto and inland marine coverage.
Crew injuries
Falls and electrical injuries are workers' compensation claims.
Coverage that commonly comes up
- General Liability InsuranceIncluding completed operations.
- Commercial Auto InsuranceService vans and trucks.
- Workers' Compensation InsuranceElectricians and apprentices.
- Professional Liability Insurance (E&O)If you provide design work.
This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.
Paperwork customers and contracts ask for
- Certificates of insurance for general contractors and property owners
- Additional insured and waiver of subrogation endorsements
- Workers' compensation certificates from your subcontractors
- Vehicle and equipment schedules
Keep these together in your PolicyChecked account, so you can answer a certificate request in minutes.
Before your renewal or your next contract
What to check on your own policy
- Completed operations coverage and limits
- Classes of work listed, and any exclusions for specific work
- Tools and materials coverage away from your shop
- Subcontractor certificates
- Additional insured wording your general contractors require
Not sure what your policy says?
Upload your declarations page. The free AI coverage check lists your coverages, limits, and deductibles in plain language and flags items to discuss with a licensed agent.
Check Your CoverageElectricians: common questions
Other industries we work with
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- RestaurantsGuests, kitchens, staff, and, if you serve alcohol, liquor liability.Learn more
- Retail StoresCustomers in your store, inventory on your shelves, and payments at your register.Learn more
- Landscaping CompaniesProperty damage on clients' lawns, trucks and trailers, mowers, and seasonal crews.Learn more
Know what you're covered for before you need it.
Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.