What insurance does a self-employed electrician need?

Find out how to protect your business with tailored self-employed electrician insurance coverage.

David Granahan - Writer for NEXT Insurance
By David Granahan
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Updated May 29, 2023.

What kind of insurance does a self-employed electrician need?

As a self-employed electrician, you are susceptible to a number of risks, like electrocution, falls, burns, and negligence claims. Luckily, you have coverage options. But first, you need to make sure you have your electrician license, as this is legally required.

Then, you can look at the types of insurance that may be suitable:

  • Errors and omissions (E&O) insurance: This can provide protection against negligence claims, breach of contract claims, and more. For example, if you accidentally install the wrong electrical component when completing a job, E&O can help cover any damage.
  • General liability insurance: This can provide cover for property damage, bodily injury that can happen on the job and accusations of libel. If you're fixing an electrical appliance in a client's home and you damage it, this type of insurance can help pay for repairs or replacements.
  • Worker's comp insurance: Once you hire other electricians, this is usually required in most states. It can help cover medical fees or lost wages. For instance, if an employee gets injured on the job.
  • Commercial auto insurance: Any vehicle used solely for work-related tasks could be covered in case an incident occurs. If you're driving to a job and you crash, this insurance can provide aid for medical costs or collision repairs.
  • Commercial property insurance: Your business premises, inventory and equipment can be covered. If you experience a break-in and essential equipment is stolen, this policy can assist with replacements and help cover business interruptions.

NEXT can help protect self-employed electricians

Because self-employed electricians can experience varying unforeseen situations based on their business setup, it's useful to look into multiple types of insurance to help protect yourself, your business and your employees.

With NEXT, you can feel at ease with tailored electrician insurance coverage that suits your needs.



You'll have instant access to your certificate of insurance once you purchase coverage, and you can share it 24/7 with the NEXT app.

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