Insurance that keeps your license — and your crew — current
Arc flashes, code violations, and a GC who won't let you on site without a certificate: electrical work carries its own specific risk. We connect you with specialists who insure it correctly the first time.
What licensing boards & job sites require
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- State electrical contractor license — active general liability is required to hold or renew it in most statesRequired
- A certificate naming the GC or property owner as additional insured before you're allowed on siteRequired
- Workers' comp for any employee touching live circuits, required in nearly every stateRequired
Licensed Electrician Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What electricians need to be covered
Electrical work is one of the few trades where a single mistake — a miswired panel, a loose lug, a code shortcut — can burn down the building you were hired to fix. Licensing boards, GCs, and property owners all expect proof of coverage before you touch a breaker box, and a lapse can cost you the license as fast as an actual claim.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Auto
Covers vehicles used for business — liability, collision, and physical damage for owned, hired, and non-owned autos.
Inland Marine
Covers tools, equipment, and goods while in transit or away from your primary location — beyond standard property limits.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Where electricians get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksFire from faulty wiring or workmanship
Electrical work is a recurring cause of structure fires. If a panel you wired or a termination you made ignites, completed-operations coverage — the part of general liability that follows the job after you've left — is what responds, not just accident coverage for while you're on site.
Arc flash & shock injuries
Live-circuit work carries real risk of arc flash burns and electrocution for your crew. Workers' comp covers medical costs and lost wages; general liability responds if a customer or bystander is hurt.
Test equipment and tools between job sites
Multimeters, panel testers, benders, and lifts move between trucks and job sites daily and are frequent theft targets. Inland marine covers this equipment away from your shop.
A failed inspection tied to your work
A callback or a dispute over a failed inspection can turn into a liability claim from the property owner. Completed-operations coverage is built for exactly this kind of after-the-fact dispute.
Why electricians can't skip coverage
- Most states require proof of active general liability insurance to issue or renew an electrical contractor's license — a lapse can pull your license, not just expose you to a claim.
- GCs and property managers routinely require a certificate naming them as additional insured before an electrician is allowed on a job site.
- The moment you have even one employee working live circuits, workers' compensation is legally required in nearly every state.
By the numbers
2.89 per 100K
Electrician fatal injury rate (BLS)
$2.4B
Electrical-fire property damage per year (US)
90+
Specialists in our network
Electricians insurance FAQ
In most states, yes — licensing boards require proof of active general liability coverage (and often a bond) to issue or renew an electrical contractor's license, separate from whatever a GC requires on a specific job.
Get matched with a electrician specialist
Share a few details and a licensed agent who understands electricians will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state