Electrical Contractor Insurance in California

  • Competitive insurance prices from A+ rated insurer
  • Online, no paperwork. Your policy will be emailed instantly
  • Over 25,000 small businesses in U.S. have used BizInsure

Get instant quotes

What is Electrical Contractor Insurance?

Electrical work can be risky. Even if you’re experienced and skilled an error could result in a personal injury, property damage or even a fire. Even worse is the possibility of costly legal action.

Electrical contractor insurance can protect against financial losses that can be catastrophic due to accidents or property damage, as well as other risks associated with the business.

(Electrical contractor insurance is used to refer to the different types of insurance that you might consider for your California electrical business.)

Why do electricians need insurance in California?

You can get hurt when working with electrical systems, regardless of whether you’re an electrician for commercial or home use. Electricians are susceptible to fires or injury because of live wires. They could also accidentally damage their clients’ property.

California electricians are covered by business insurance that helps them cover the common risks electrical contractors confront. You may have to pay for legal fees, compensation, and other unexpected expenses in the event that you don’t have any other insurance policies.

Customer service icon

Contact our licensed agents now

You can rest easy knowing you’ve got insurance at reasonable cost from top-rated insurers.
BizInsure’s licensed and knowledgeable agents are available to assist you in choosing the right insurance plan.

What types of insurance do California electricians consider?

You can choose between several different types of insurance as an electrician. BizInsure provides electricians with a broad selection of insurance options at reasonable rates.

General Liability Insurance

General Liability insurance protects you against any claim by an outside party regarding injury or damage to their property. In these instances, your policy will cover your legal expenses as well as your cost to replace or remedy the situation up to the limits of liability.

For many electrical contractors, this is a must-have coverage. It protects them against lawsuits and other financial liabilities that result from accidents. This includes:

  • Third-party property damage
  • Third-party injury

Business Owner’s policy

Business Owner’s Policy (BOP) is a combination of policies, combining covers such as General Liability insurance and business personal property coverage, to help protect small businesses from costly interruptions to service.

Professional Liability insurance

Professional Liability Insurance safeguards California businesses against claims of negligence, misrepresentations, or mistakes. Professional Liability claims are typically made by clients who allege some form of financial damage as a result of your services, products or employees.

Also called Errors & Omissions (E&O) cover is designed to safeguard your business against losses resulting from negligence or errors made during the performance of services.

Professional Liability insurance protects against incidents including:

  • Giving incorrect advice on accessibility or other building standards
  • There is a defect in your work which requires the client to pay more for materials or labor
  • You’re accused of negligence by a client even though this isn’t true

Workers Compensation Insurance

Workers’ Compensation insurance offers protection to California electrical contractors against medical expenses and lawsuits that can arise from employee workplace injuries and illnesses. It could also pay lost wages as a result of the work injuries that an employee sustains.

California law mandates that employers with at least one employee need to be covered by Workers’ Compensation coverage.

Protection for equipment and tools

As an electrical contractor, your tools and equipment are essential for your success. Tools and Equipment coverage can provide financial protection against unexpected circumstances.

Cyber Liability insurance

Electrical contractors should be aware that cybersecurity is a major problem. Data security breaches are increasing in the modern age. Cyber Liability Insurance can help cover expenses associated with resolving a data breach, including legal fees and credit monitoring expenses for the affected people.

How much does electricians insurance cost in California?

Electrical insurance prices in California are based on a range of factors such as the contract requirements of your business as well as the number and kind of employees you employ as well as any other risks to which your company is subject.

A single electrician will generally pay less for insurance than a company that employs several electricians. The cost of insurance coverage for electrical business is influenced by:

  • Business size and revenue
  • Number of employees covered
  • The kinds of services provided (i.e., commercial or residential)
  • Location of the business
  • Your claim history
  • Coverage level

Saving time and money on electrician insurance

Here are some great tips for reducing your business insurance cost.

  • Compare quotes – Comparing rates can help find a policy for your requirements while remaining within your financial budget.
  • Risk management – You could reduce your insurance premiums by taking steps to lower the risk.
  • Pay upfront – By paying your premiums annually you’ll save money in the long run.
  • Raise your deductible – You could be able to reduce your insurance costs by increasing your deductible. If you don’t have the funds to cover potential claims, then you may consider rethinking your decision.
  • Check policy annually – It is important to review and revise your policy each year to ensure it meets your needs.

How to get electrical contractor insurance in California?

Small-scale business management can be a lot of work. Electrical contractors face new challenges each day. BizInsure offers quick and simple insurance for electrical contractors.

Our team is ready to answer any questions you may have and help you understand your insurance needs and choose coverage that suits the needs of your small business.

Are you ready to get started? Call or compare multiple quotes online to protect your business.

The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Coverage for claims on the policy will be determined by the insurer, not BizInsure.
As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
Amy was a delight to work with she help me with finding he right policy for my business I can't thank her enough for her help
I purchased liability insurance for my home care agency, Unlimited Gentle Care, and the process was seamless and straightforward, ensuring that every aspect of our liability was covered. This company also offers a great value for the extensive coverage my company receives
BizInsure was an easy way to purchase insurance for my business.Kaleb especially was a great help.Thanks,Rich Valentini
awsom service, perfect price and great policy
I have purchased General Liability Insurance for the past 4 years at BizInsure for my wedding videography small business. In these 4 years, it has always been a smooth process.There must've been some sort of technical issue (potentially due to my change in address), so my policy didn't auto-renew. I called Bizinsure and talked to Paulina, who was beyond helpful. She was very polite and explained things very well. One small detail that I can appreciate is that she often said my name, which shows that their customer service is intentional about personalized communication.In just a few minutes, we updated my account + renewed my insurance for a 5th year. I highly recommend Bizinsure!
great customer services.
This company allowed us an amazing experience, including very efficient, detail-oriented, and patient guidance from their commercial sales agent, Jenifer. I highly recommend this service for anyone in need of a business insurance policy.
Jennifer was very helpful and great to work with.
Very professional, fast and reliable. I appreciate their knowledge and experience. They have made this journey easier for me.
Very easy to renew! Thank you
super quick and easy process!
I am very satisfied with Bizinsure. No regrets
Very professional, easy, and thorough application process.
BizInsure is efficient and price friendly. I definitely reccommend them to anyone. Thank you.
Very easy to work with, cost effective, prompt renewal and easy to get certificates of insurance instantly. I use them exclusively for my professional and general liability insurance needs as a consultant.
Great process and very efficient.
Friendly and very fast service!
Jennifer Whiscombe, is an amazing agent. She was very knowledgeable, thorough and friendly. I highly recommend.
They make it very easy to buy insurance and renew.
As a business owner I love not wasting time. Thank you so much for giving me more time
Very straight forward, the cost of coverage amount made sense, simplicity was appreciated.
Always easy. Thank you.
A Company that is easy to deal with and that I have used for several years. I appreciate the continued support.
Very easy and affordable!
Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Your service is easy to renew as needed and your company informs the client in advance for renewal.
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Quick and easy....
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Very satisfied with the online experience
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
Love it
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
The agent was quick and efficient in generating a quote for my needs.
Google Rating
Based on 285 reviews