Electrician Insurance

Electrician Insurance

Electricians and electrical contractors face a unique set of risks from specialized trade.

Protect your business against potential liabilities with electrician insurance.

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Zensurance - Electrician
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Insurance for electricians

Electricians are the unsung heroes for two important reasons. Firstly, electricians are critical for everyday things that we often forget about – from keeping businesses open to keeping our homes safe. Secondly, electricians have one of the most dangerous jobs out there due to the risks of working closely with electricity, the variety of locations, and the hazardous tools they use.

As an electrical contractor, you know clients depend on your expertise to ensure that all electrical wiring and outlets in their building are working correctly.  From troubleshooting electronic systems to repairing circuit breakers, each project presents a different level of risk for accidents, damages, or injuries.

As an electrician, your business has unique risks – and that’s where we can help. At Zensurance,  we’ve helped more than 100,000 entrepreneurs protect their businesses with insurance policies designed to cover their specific needs.

We’ve made it our mission to make insurance as accessible as possible. Below you’ll find helpful information to answer your top questions about electrician insurance.

What is electrician insurance?

Electrician insurance policy packages are specially designed to protect electrical contractors against specific risks associated with providing electrical repair services, including equipment- and third-party-related damages and injuries.

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What does it cover?

Insurance for electricians describes several combined insurance policies to provide comprehensive coverage. Typically, electrical business insurance will include the following coverages:

  • Commercial General Liability Insurance (CGL): CGL is a basic form of liability coverage that protects electricians against day-to-day risks that may be encountered while running your business, such as third-party bodily injury or property damage. CGL generally covers medical fees and legal expenses, regardless of the lawsuit outcome.
  • Professional Liability Insurance: Also known as Errors & Omissions Insurance (E&O), Professional Liability Insurance offers coverage for misconduct, negligence, or failure to deliver a service as advertised. If your client feels your professional advice or service didn’t have the expected results, they could sue. For example, your client asks you to check on the safety of their electrical outlets. You fail to notice several aren’t up to code, and a week later, a fire breaks out from one of the faulty outlets. Your client sues you for negligence to notice the outlets that needed fixing. Professional Liability Insurance could cover the legal fees and damages, including monetary judgments.
  • Equipment and Tools Insurance: Equipment and Tools Insurance covers – you guessed it – equipment and tools. This policy covers loss or damage to the equipment you use to complete your job – whether you own the equipment or it’s in your care. For example, if your toolset was stolen overnight from a job site, Equipment and Tools insurance coverage could cover the cost to replace the stolen tools.

You should also consider the following coverages based on your services:

  • Pollution Liability Insurance: Pollution liability can be necessary for electricians. This insurance provides coverage for third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site. This coverage could cover civil fines or penalties, assessments, emergency response costs, and clean-up costs.

Who needs it?

Any electrical contractor or electrian business owner providing electrical services should protect their business from common risks with an electrician’s liability insurance policy. 

We’ve insured more than 1,000 electric trade professionals. Some of our clients include:

  • Domestic/Residential Electricians
  • Commercial or Industrial Electricians
  • Master Journeyman Electricians
  • Self-Employed Electricians

Zensurance is a proud member of the Ontario Electrical League.

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How much does it cost?

Many factors go into the total cost of your electrician insurance policy. A low-risk small business can expect to spend approximately $540/year on a Commercial General Liability policy with a limit of $2M.

Want to make sure you get the best price for your business? We do too. We’ve partnered with more than fifty insurance providers to offer you a variety of options that’ll suit your business needs.

When you complete our online application for a free quote, we will ask questions about your business that will help us to determine what coverage you should have. Here are some of the main factors we take into consideration:

  • Number of Employees
  • Project type (Commercial vs Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue
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Business considerations

Whether you’re a residential electrician or you work at industrial sites, below is some specific advice to help you choose the right insurance policies: 

Residential Electrician

Any electrical business will need comprehensive coverage that includes Commercial General Liability Insurance to provide coverage for third-party injuries or third-party property damage. Suppose you accidentally cause a mirror to fall off of the wall during drilling close by; the customer could sue you for the cost to replace the mirror. If you have full-time employees working for you, they may be covered by your Commercial General Liability insurance also. Please note, though, your policy limit typically applies to all employees under your policy rather than each employee. You have the option to increase your limit to accommodate all electricians, or you can ask them to carry their own Liability Insurance. 

Homeowners, tenants, and landlords rely on your professional services; therefore, it’s important to have Professional Liability Insurance. This coverage could protect your business from claims alleging negligence or failure to deliver a service as promised. For example, you wire a sound system in a client’s home theatre. Upon project completion, the client determines the system is faulty and sues you for failing to deliver the service as contracted.

Equipment and Tools Insurance is important for residential electricians as it could cover the loss or damage to the equipment you use to do your job. For example, if your drill gets left in an unexpected rainstorm and is immediately damaged. Your Equipment and Tools insurance coverage could cover the cost to replace the drill.

Suggested Coverage:

  • Commercial General Liability Insurance
  • Professional Liability Insurance
  • Equipment and Tools Insurance
  • Commercial Auto Insurance

Commercial or Industrial Electrician

Commercial General Liability (CGL) Insurance is a must-have for electricians working in commercial or industrial settings. CGL could provide coverage for third-party injuries or third-party property damage. For example, if you’re digging a small trench to run a buried cable, and the client trips over the unmarked trench, injures themselves, and sues you for medical expenses. If you have full-time employees working for your business, they may be covered by your Commercial General Liability insurance; however, your policy limit typically applies collectively to all employees. You have the option to increase your limit to accommodate all electricians, or you can ask them to carry their own Liability Insurance. 

Professional Liability Insurance is another important coverage for electricians as businesses and other contractors rely on your professional services to ensure a safe workplace or job site.  For example, you incorrectly install odor control equipment at an industrial plant, which results in total failure of the unit. Your client sues you for negligence and failure to deliver a service as contracted. Professional Liability Insurance could protect your business from lawsuits arising from allegations of negligence or misconduct.

Equipment and Tools Insurance could cover the loss or damage to the tools and hardware you need for your projects. For example, Equipment and Tools insurance coverage could provide coverage if someone broke into a secure job site and stole a large amount of expensive copper wire.

Pollution Liability Insurance could provide legal expense coverage against pollution-related accidents resulting in third-party injury or property damage. While electricians rarely work in contact with materials that can cause pollution, they work in environments where pollution incidents can occur. For example, a Pollution Liability Insurance policy could cover you if you accidentally hit a sewage line while installing a new electrical pole line at a job site, which causes a large sewage spill into the surrounding area.

Suggested Coverage:

  • Commercial General Liability Insurance
  • Professional Liability Insurance
  • Equipment and Tools Insurance
  • Pollution Liability Insurance
  • Commercial Auto Insurance

Common claims scenarios

Frequently asked questions

Does my insurance policy cover sub-contractors?

Most insurance policies only cover full-time employees of the business and typically exclude subcontractors. Coverage extensions for subcontractors can be added to your existing policy if needed.

For subcontractors, it is recommended you purchase your own liability insurance to protect yourself across multiple work sites.

Other contractor trades we can provide coverage for:

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You’ve built your professional career around providing a service that everyone relies on; you deserve a broker you can rely on to make you feel great about protecting your business. 

If you’re ready to get your free quote, start your online application today. And if you need more information or you’d prefer to speak with a broker, our team will be happy to help guide you through the process.

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