Calculate electrician insurance costs. GL, workers comp, and fire liability coverage for electrical contractors. Based on 2026 NCCI data.
Calculate Your PremiumElectrician insurance is specialized coverage for electrical contractors. It includes General Liability (crucial for fire and shock damage claims), Workers Compensation, and tools coverage. Fire and shock claims account for 30% of all electrician liability claims.
In 2026, electrician insurance costs $5,000-$12,000 per year. Workers comp rates for electricians ($10-$18 per $100 payroll) are higher than plumbers due to electrocution risks. 47 states require electrical licensing.