Electrical Contractor Insurance in Wisconsin

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What is Electrician Insurance?

Electrical work can result in serious injury. It is possible to make an error that leads to injuries to your property or personal injury. It can also result in a costly lawsuit.

Insurance for electrical contractors covers financial losses resulting from injuries or property damage, as well as other risks related to this business.

Why do electricians need insurance in Wisconsin?

Electrical systems can be dangerous in Wisconsin regardless of whether you work as a residential electrician or commercial one. Every electrician is exposed to fire hazards and injuries caused by wires that are live.

Wisconsin electricians can benefit from insurance for businesses to protect against the most common risks. Without insurance, you might be liable for expensive legal costs, compensation and other bills that are unexpected.

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Common insurance policies for electricians in Wisconsin

There are a range of insurance policies to choose from when you are an electrical contractor. BizInsure offers affordable and comprehensive insurance coverage for electricians.

General Liability Insurance

General Liability policy can protect 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.

This coverage is considered by many to be a basic insurance for electricians. It protects electrical contractors against legal costs or financial liabilities due to accidents. This coverage includes:

  • Property damage caused to third parties
  • Third-party injuries

Business Owner’s Policy

A 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

Also known as Errors and Omissions (E&O) insurance, this type of policy protects your business 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.

Professional Liability insurance covers incidents such as:

  • Giving clients incorrect advice about accessibility or other requirements within the building
  • The work you have done is flawed and will require the client paying for new materials or labor
  • Customers might claim that you are negligent, even when it’s not true

Workers Compensation Insurance

A Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Wisconsin law requires employers to obtain Workers’ Compensation coverage unless they are self-insured or qualify for an exemption.

Insurance for tools and equipment

As an electrical contractor, your tools and equipment are essential for your success.

Insurance coverage for tools and equipment will help you avoid losses in the event of an unexpected event.

Cyber Liability insurance

Electrical contractors must be aware that cybersecurity is a major issue. In our modern world, data breaches are increasing.

Cyber Liability insurance protects your business against malicious software attacks, data breaches, viruses, and phishing. It also covers legal fees, notifying customers of a breach, credit monitoring, and fines that your company may be ordered pay. This coverage also applies to Personally Identifiable Information (aka Non-Public Information) such as names, addresses, phone numbers, social security numbers, credit card and banking info, email addresses, etc.

How much does electrician insurance cost in Wisconsin?

The cost for electrician insurance in Wisconsin depends upon several factors. These include contractual requirements, employee numbers, and other risks associated with your job.

An electrical contractor working alone will be able to pay less insurance than a company with several electricians. Insurance for electrical businesses can be affected by:

  • Business size and revenue
  • Number of employees covered
  • Types of services offered
  • Business location
  • Your claim history
  • Coverage level

How can Wisconsin electrician save on their business insurance?

You can save money on your insurance with these tips.

  • Compare quotes – Comparing quotes can help you to find a policy that meets your needs and is within your budget.
  • Risk management– By taking steps to reduce risk, you could be able to reduce the cost of insurance.
  • Pay your premiums in advance – You could save money by paying your premiums in advance.
  • Increase your deductible – You may be able lower your insurance premium by raising your deductible. It is important to consider if you can afford to cover any claims.
  • Check your policy annually – It is crucial to review and revise your policy each year to ensure that it is in line with your requirements.

How to get insurance for electricians in Wisconsin?

As an electrician, you face unique risks every day. BizInsure offers quick and simple insurance for electricians.

Our team will be able to answer your questions to ensure you’re well-informed and able to choose coverage for your company.

Are you ready to start? Protect your Wisconsin electrical business today by calling us at or comparing multiple quotes.

*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.
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