What insurance policies do electricians need?

Electricians often carry a combination of policies, including general liability, workers' compensation, and commercial auto insurance, to protect against the varied risks. A business owners policy (BOP) is also a popular choice as it combines general liability and property insurance into a single policy.

Does electrician’s insurance cover property damage or injury?

Yes, electrician’s insurance can cover both property damage and bodily injury. General liability insurance for electrical contractors typically covers damage to a client's property and injuries to third parties, while workers' compensation covers injuries to your employees.

How much does electrician’s insurance cost?

The cost of electrician’s insurance varies based on several factors, including your location, the size of your business, and your claims history. You can <a href="/get-a-quote/">get personalized insurance quotes</a> to determine your specific premiums. Protecting your business with electrician insurance is one of the best decisions you can make.

Do I need insurance as a self-employed electrician?

Yes, even as a self-employed electrician, having coverage is crucial. Insurance for self-employed electricians can protect your business from unexpected accidents and lawsuits. Many clients will also require you to have insurance before they will hire you.

Can I get a Certificate of Insurance (COI) for my electrical business?

Yes, once you purchase a policy with biBerk, you can immediately [<a href="/certificate-of-insurance">obtain a Certificate of Insurance (COI) online</a> to provide to clients or contractors.

Does biBerk offer workers' compensation insurance for electricians?

Yes, biBerk offers <a href="/small-business-insurance/workers-compensation-insurance">workers' compensation insurance</a> <a href="https://www.biberk.com/small-business-insurance/workers-compensation-insurance"></a>that is tailored to the specific needs of electrical businesses and their employees.

Can I add subcontractors or employees to my electrician insurance policy?

Your business electrician insurance policy can be structured to cover your employees, and you can obtain coverage for subcontractors as well. It is best to discuss the specifics of your labor needs with one of our licenses insurance experts to ensure you have the correct coverage.

Is electrician insurance required by law?

When it comes to business insurance for electrical contractors, not all types are mandated by law in every state. Workers' compensation insurance is typically required if you have employees. Additionally, as an electrician, liability insurance is often required by clients before you can work for them.

Electrician’s insurance

Ensure your electrical contractor business is properly and fully covered with the right policy for electrician businesses.

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Protect your business with electrician’s insurance.

From employee injury to damage to a customer’s property, electricians have to be prepared for the potential financial impact from a wide range of risks. At biBerk, we provide tailored electrician's insurance at savings of up to 20%. Whether you need workers' compensation, general liability, a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free electrical company insurance quote. Plus, with biBerk, you can purchase a policy, manage it, and use our proven claims process to report an incident online for ultimate convenience.

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What is electrician insurance?

Insurance for an electrician is absolutely essential, given the many risks they face. It's not uncommon for workers in this industry to be injured, so workers’ comp is crucial. Accidental fires and tool theft or damage should be covered by a business owners policy or BOP (also called property & liability insurance). A commercial auto policy is important as you drive from job to job. And, many projects and job sites require a Certificate of Insurance (COI) for electricians, which is available online as soon as you purchase an electrician insurance policy from us.

Why do you need electrician insurance?

Insurance is crucial for everyone in this field and especially so for newly licensed electricians launching a business. The right coverage provides the confidence to meet licensing regulations and secure contracts, allowing you to start taking jobs legally and professionally. Being properly insured from day one communicates that you take your trade and your clients’ safety seriously, which is vital for making a strong first impression.

This early investment also lays the groundwork for a resilient business. Even a minor mistake on an early job can have a high cost, and insurance ensures that one error doesn’t wipe out your savings or progress. By protecting your tools, your finances, and your reputation from the very beginning, you establish a sustainable operation built for the long term.

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Any business that offers electrician services needs electrician insurance, including:

Commercial electricians
Construction electricians
Electrical contractors
Electrical journeymen
Electrical linemen
Electrical technician
Fiber optic testing
Industrial electricians
Low voltage electrical work
Maintenance electricians
Master electricians
Residential electricians
Wiring services

What are the different types of electrician insurance?

At biBerk, we offer comprehensive coverage options, including six different types of insurance for electrician business owners like you. Thorough coverage is especially important for small electrical business owners managing a crew. Insurance provides critical protection when you are overseeing multiple job sites, employees, and expensive equipment, ensuring that operations can continue even when an issue arises. Policies can also safeguard your business against financial liability for an employee-caused incident, so the entire company isn't at risk due to one person’s error. Additionally, proper coverage is essential for managing the risks tied to more complex or high-liability projects, such as large commercial builds or government contracts. Having the right insurance in place not only offers protection, but also strengthens your business's standing with clients. It demonstrates a commitment to professionalism and reliability, helping you maintain a strong reputation with developers, general contractors, and property managers.

Depending on the location of your business and other factors, certain types of insurance for electrical contractors might be better for you than others.

Workers' Compensation insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. A workers’ comp policy can cover medical costs, legal fees, and lost wages due to the injury.

Workers' Compensation

General Liability insurance

Also known as commercial liability insurance, a general liability insurance for electricians is important, because general contractors and landlords often require a policy before they hire you. This type of electrician liability insurance covers damages and legal costs associated with injury claims by customers and other people outside your company, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your electrician insurance policy, including contractors installation, tools & equipment, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

General Liability

Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. You can also tailor your BOP to create the best insurance for electrician businesses with add-ons for contractors installation, tools & equipment, cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

Business Owners Policy

Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

Commercial Auto

Cyber insurance

You can purchase this coverage as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches where someone steals sensitive information and uses it to commit fraud or is likely to.

Cyber Insurance

Umbrella insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Umbrella Insurance

How much does electrical contractor liability insurance cost?

The cost of business electrician’s insurance is calculated based on a number of factors. These include your location, business size, and claims history. You can get electrical company insurance quotes online for the different policies you need, which will provide insights into questions like, “How much does electrical contractor liability insurance cost?” You’ll find that our direct-to-you approach means you can get affordable electrician insurance to address your risks and protect your business.

Why independent electricians need the right insurance coverage.

For an independent electrician working solo, the right coverage is especially important. When you are the business, there is no separation between the owner and the worker, meaning a minor electrical fire or injury claim can personally threaten your livelihood.

Insurance helps protect against the common risks of working in client homes, such as accidental property damage or other mishaps, giving you operational confidence on every job. This protection allows you to take on new or higher-value projects without the fear that one unexpected incident could lead to financial fallout, while also positioning you as trustworthy and reliable in the eyes of clients and contractors.

Why biBerk for insurance for electrician businesses?

We’re the experts when it comes to small business insurance.

Save time.

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

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Save money.

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.

Experienced.

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.