Coverage Guide
Electrician Insurance Coverage Guide
Essential coverage for electrical contractors
Fire & Shock Hazards
30% of all electrician liability claims involve fire or electrocution. Faulty wiring can cause devastating fires. Make sure your General Liability limits are high enough to cover property damage claims.
Coverage Types
General Liability
Fire, shock, property damage
$4,500
Base Annual
Workers Compensation
Employee injury, electrocution
$5,500
Base Annual
Tools & Equipment
Meters, wire cutters
$550
Base Annual
Commercial Auto
Service vans
$2,100
Base Annual
Trade Comparison
| Trade | WC Rate (per $100) | Main Risk |
|---|---|---|
| Electrician | $10-$18 | Fire, Electrocution |
| Plumber | $8-$15 | Water Damage |
| HVAC | $8-$14 | Refrigerant, Falls |
| Roofer | $25-$45 | Falls |