Blog · Coverage Explained
Coverage Explained
Electrical insurance guides in coverage explained, written and reviewed by Nate Jones, CPCU.
- Coverage Explained
Additional Insured for Electricians: CG 20 10 vs CG 20 37
A GC’s contract demands additional-insured status; an electrical sub needs two endorsements. CG 20 10 covers ongoing operations, CG 20 37 completed.
- Coverage Explained
Does General Liability Cover an Electrical Fire After the Job?
A panel you wired ignites a fire months after final payment. General liability’s completed-operations side answers that third-party fire loss.
- Coverage Explained
Are Your Trucks, Testers, and Wire Covered on the Job?
Your service vans and bucket trucks run through commercial auto; your testers, benders, and staged wire run through contractors equipment — two lines.
- Coverage Explained
Copper Theft and Your Property Coverage: What’s Covered
Copper is a target at the shop, in the yard, and on the jobsite. Whether property or contractors equipment answers turns on one seam: stays vs travels.
- Coverage Explained
Arc Flash, Electrocution, and Workers’ Comp for Electricians
Arc-flash burns, electrocution, and falls put an electrical crew among the highest-severity work there is — and workers’ comp, not liability, answers it.
- Coverage Explained
Whose Building Burned? GL vs Property for an Electrical Fire
One fire, two policies. A fire in a building you wired is general liability; a fire at your own shop or copper inventory is commercial property.
- Coverage Explained
Professional Liability and the Design-Build Seam for Electricians
Faulty installation is general liability; a wrong design or spec judgment is professional liability — design-build is where an electrician takes it on.
- Coverage Explained
Umbrella and Excess Coverage for Electrical Contractors
Umbrella and excess add limit above your general liability, commercial auto, and employers liability — the height power-line contracts demand.
- Coverage Explained
The Your-Work Exclusion: Why GL Won’t Redo Your Wiring
General liability won’t pay to rip out and redo defective wiring you installed — that is your cost. It does answer the damage that work does to others.
Have a question about your electrical operation?
Talk to a specialist who writes the electrical class — residential service, commercial and industrial systems, and power-line work — or start a quote.