Insurance for Electricians

Loss of income is shocking. Don't let Electrician clients miss a beat with insurance designed to meet their unique needs.

Dealing with electricity is an inherently risky business, and electricians are subject to a wide variety of claims from injury to equipment failure to unhappy customers. Keep electricians in business and safe from shock of a costly lawsuit or claim with proper coverage. 

Get Coverage with 9 Top-Rated Markets

electrician at work

What types of risks do electricians face?

Working with electricity is extremely dangerous. Electricians face many on-the-job risks such as:

  • Electric shock
  • Electrical burns
  • Fire 
  • Equipment failure
  • Injury due to confined or unusual workspaces
  • Client complaints
electrician at work

What type of coverage do Electricians need?

Because electricity is risky business, standard markets sometimes will not work and you must find coverage with a specialty carrier. There are a number of types of coverages electricians should consider carrying:

  • General Liability: Covers property damage and bodily injury from third party claimants (property owners). 
  • Worker's Compensation: Protects employees if they become sick or injured in an accident on the job. This will pay for medical costs and lost wages.
  • Professional liability: Covers electricians in the event a third party takes legal action against them, alleging they provided advice or recommendations that resulted in a loss. 
  • Product liability insurance: Protects electricians from claims due to faulty materials used on a job.
  • Commercial Auto: Covers damage and liability on the electrician's work related vehicles.