Insurance for electrical contractors.

General liability, workers’ comp, commercial auto, and tools, for residential and commercial electricians, with completed operations that answers years after the job.

What electricians usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Tools and equipment
Installation floater
Umbrella

Watch for these in an electrical contractor’s policy

Fire claimsMost large electrical claims are fires that start after the job is done. Completed operations coverage is what answers, sometimes years later.
Occupied and high-rise buildingsSome policies limit work in hospitals, schools, or high-rise buildings. Check before you bid.
Utility and high-voltage workWork on utility lines or high-voltage systems is often excluded or rated on its own.
Your subcontractorsMany policies require certificates from every sub you hire, and uninsured subs get charged at audit.

What GCs and owners ask electricians for

Additional insuredFor ongoing and completed operations, CG 20 10 and CG 20 37.
Waiver of subrogationCG 24 04 on general liability, plus workers’ comp and auto.
Primary and noncontributoryYour policy pays first, before the GC’s own.
UmbrellaCommercial jobs often require $1M to $5M on top.

Questions electricians ask