Electrician Insurance

Electrician Insurance

Electricians face a unique set of risks from specialized trade.

Protect your business against potential liabilities with electrician insurance.

Zensurance - Electrician

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Electrician Business Owner

Insurance for electricians

As an electrician, 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.

Running an electrician 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.

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

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 referred to as Errors & Omissions Insurance (E&O), Professional Liability Insurance provides coverage for electricians in cases of misconduct, negligence, or failure to deliver services as promised. If your clients are dissatisfied with your professional advice or services, and believe they did not yield the expected results, they may take legal action against you. 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.
  • 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.
  • Commercial Auto Insurance: Commercial Auto Insurance is necessary if you drive a vehicle for work purposes. This coverage could protect against third-party injury and damage, as well as physical damage to your vehicle (depending on the coverage you opt for).

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

Any electrician or electric business owner providing residential or commercial services should protect their business from common risks with an electrician’s liability insurance policy.

We’ve insured more than 1,000 electrical contractors. Some of our clients include:

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

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Common claims scenarios

house fire

Problem: You’re fixing a client’s home circuit breaker unit, but due to malfunction, a fire starts and burns down half of the house. The client sues you for the damage to their property.

Outcome: Your Commercial General Liability Insurance policy may cover the $310,000 to repair the damaged home.

copper wires

Problem: Someone broke into your workshop, stealing all of your expensive copper wire along with destroying the security camera system.

Outcome: Your Tools and Equipment Insurance coverage could replace the $86,000 worth of tools and equipment.

electrical contractor working on hydro pole

Problem: One of your subcontractors accidentally hit a sewage line while installing a new electrical pole line which caused a massive spill into the surrounding area.

Outcome: Your Pollution Liability Insurance may cover the $247,000 cost to clean up the spill and repair the sewage line.

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.

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Ready to start? Let’s get a quote!

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.