Coverage
Insurance coverage for electrical contractors
The core lines an electrical business carries, led by the two that define this class — general liability built around the products-completed-operations fire a panel or circuit can start after the job is done, and workers compensation for the electrocution, arc-flash, and power-line severity the trade lives with. Each links to a full breakdown.
General Liability Insurance
The foundation policy — third-party bodily injury and property damage your work causes, built around the products-completed-operations fire a panel, connection, or circuit can start weeks or months after the job.
Learn more →Workers Compensation Insurance
The crew at the severity end of the trade — electrocution and arc-flash injury, and power-line work among the highest-severity classifications there is, with honest handling of the monopolistic state-fund states.
Learn more →Commercial Property Insurance
Your own building, shop, or office and the copper, panels, and materials inside it — the line that covers what stays put, cut crisply from the tools that travel and from the third-party harm general liability answers.
Learn more →Commercial Auto Insurance
The service trucks, vans, and bucket trucks that roll between the shop and the jobsite — the mobile, truck-roll side of an electrical operation.
Learn more →Contractors Equipment Insurance
Your own testers, meters, benders, wire spools, and lifts — on the jobsite, in the yard, and in transit (inland marine); the tools-that-travel counterpart to fixed property.
Learn more →Umbrella Liability Insurance
Excess limits above general liability, commercial auto, and employers liability when a general contractor, developer, or utility contract demands more — especially of a power-line contractor.
Learn more →Professional Liability Insurance
The design-and-consulting exposure — when your spec, drawing, or advice, not your installation, is what a claim turns on; the financial-loss seam distinct from faulty workmanship.
Learn more →Not sure what you need? Get a quote and we will build the program to your operation, or see how it differs by the electrical work you do.