Insurance for Electricians
Bundle in Workers’ Comp, Tools coverage or Professional Liability
Often required to get or renew your electrical license
Covers damage to a client’s property or injury to a third party
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Compare Quotes
From multiple carriers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
Our A-rated carriers
On this page:
What does electrician insurance cover?
Electrician insurance helps protect residential electricians, commercial electricians, self-employed electricians, and contractors from the cost of risks arising from providing electrical services. Common risks include:
- Third-party property damage
- Third-party bodily injury
- Product liability claims
- Damage to your tools and equipment
BizInsure understands the insurance needs of self-employed electricians and electrical contracting businesses. Compare quotes from A-rated (or better) insurance partners online or over the phone and get instant coverage in minutes!
Why do electricians need insurance?
Licensed contractors, including electricians, may be required to have General Liability insurance in some states. You may also need General Liability coverage to access jobsites and work as a subcontractor.
When you’re running a small business, it pays to expect the unexpected. Legal fees, defense costs, and compensation can be expensive, even when you’re not at fault. The cost of setting things right is solely your responsibility—unless you have insurance. General Liability and tool insurance can help your protect your business and income.
What types of insurance do home care providers need?
With BizInsure, you can compare quotes tailored to the specific risks electrical work carries. Most electrical contractors carry General Liability, covering injury or property damage, alongside Tools & Equipment coverage for lost or damaged gear as your business grows.
General Liability insurance
General Liability Insurance covers your business if a third-party is injured, or their property is damaged, a of your business activities or services. It covers legal costs compensation costs. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
Professional Liability insurance
Professional Liability insurance, also known as Errors & Omissions insurance protects you against claims of negligence, misrepresentation or mistake, resulting in financial loss to a third party. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
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How much does electrical contractor insurance cost?
The cost of electrical contractor insurance depends on the type of jobs you take on, your claims history, the tools and equipment you need covered, and whether you employ staff.
Factors influencing cost
- Risks of the industry 
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
We offer customized coverage levels to suit self-employed practitioners or agencies with complex needs.
Factors influencing cost
- Risks of the industry 
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible cover to match your needs
BizCover offers policy options to suit growing businesses, from sole traders to those with higher capacity.
Choose Professional Indemnity up to $10 million, Public Liability up to $20 million, and Cyber Liability up to $2 million.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
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