Electrician Insurance

You can save up to 25% in discounts on business insurance.*

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Electrical contractor insurance can help protect you from

Financial liability if someone gets hurt

If your worker or someone passing by suffers bodily injury and you’re asked to pay their medical bills.^**

Accidental damage to someone else’s property

If you or your workers accidentally damage a client’s home, the repairs could cost you.

The costs of work mistakes

A customer claims you made a professional mistake that cost them money and they try to recover their financial losses.

Legal defense costs

Business insurance could help cover legal defense costs if you’re sued over a job-related claim.

Get insurance for electrical contractors that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Business insurance for electrical contractors can help protect you, your company and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

Get insurance tailored to your business

Our electrician insurance covers a range of small businesses so that you can focus on what you do best:

Self-employed electrician

Electrical company

Electrician service

ERGO NEXT specializes in electrical contractors insurance

Insurance for electricians is usually several types of policies to help protect you, your business and your employees from different types of common risks for electrical work. Coverage options for your electrician business may include:

Electrician’s General Liability insurance

Protection for damage to other people's property and injuries to non-employees

General liability coverage might be required for an electrician license in your state, and it’s common for clients to ask for proof of a general liability policy before they’ll work with you. General liability insurance for electricians could also offer financial protection if someone other than an employee gets hurt at a job site, or if you or your employees damage client property (or any property that doesn’t belong to you).

general liability can help you pay for:

Medical expenses

Damage to property you don’t own

Legal fees and judgments

Employment practices liability (optional add-on)

Contractor’s Errors and Omissions insurance (Contractor’s E&O)

To help protect you from work errors and mistakes on a job

Contractor’s errors and omissions insurance (contractor’s E&O) is a type of insurance that could help cover costs if you’re accused of making workmanship errors. For example, if your business is accused of overloading a circuit you’re working on and causing a failure, your policy could help cover expenses to fix the circuit or defend your business against legal action.

professional liability can help you pay for:

Workmanship mistakes

Legal defense costs

Legal judgments

Commercial Auto insurance

Coverage for your business vehicles

A personal auto insurance policy won’t usually provide coverage if you’re driving for business. And most states require a commercial auto policy for business-owned vehicles such as cars, trucks or trailers to help pay for medical bills and property damage.

commercial auto can help you pay for:

Accidents or collisions while driving for work

Damage or theft of a work vehicle

Repairs and liability costs after a covered incident

Workers’ Compensation insurance for electricians

For employee work-related injuries and illness

Most states require workers compensation coverage as soon as you hire your first employee. And coverage might be required in your state before you can get your electrician’s license. Workers’ comp insurance could help your business cover medical costs, lost wages and employer liability if someone on your crew suffers a work-related injury or illness.

workers compensation can help you pay for:

Medical costs

Lost wages during recovery

Employer liability

Tool and Equipment insurance

Protection for your essential business gear

Tools and equipment coverage, also called inland marine insurance, is an add-on (also called an endorsement) to ERGO NEXT’s general liability insurance for electricians. This type of liability coverage could help protect your work gear in your vehicle, in a trailer or at a job site. If you regularly travel with expensive equipment for work, tools and equipment insurance could offer some protection against damage or theft.

inland marine can help you pay for:

Stolen or damaged tools at a job site

Equipment breakdowns or accidental damage

Some repair or replacement costs

ERGO NEXT Insurance reviews

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New to NEXT Insurance

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General Liability

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Save up to 25% in discounts on insurance for electricians

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$300,000

Tools & Equipment

Per occurrence

$3,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does electrician insurance cost?

Premiums for electrician liability insurance are more affordable than you might think. The exact price you’ll pay for your electrical business insurance cost depends on a number of factors, including:

The type of work you do.
The types of clients you have.
Your business size and location.
Your number of employees.
Annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to know for sure what you’ll pay is to check with your insurance company. With ERGO NEXT, in about 10 minutes you’ll see the exact cost of tailored insurance coverage for electrical contractors.

Electrician insurance requirements

You might need insurance for electricians to help your business:

Get licensed and get to work. In many states electricians are required to show proof of coverage — like a certificate of insurance (COI) — to get a license, stay compliant and sign contracts.
Replace stolen tools and business gear. Business insurance coverage could help cover costs after theft of essential work supplies.
Recover from professional mistakes. Electrician liability coverage could help if a client claims your poor workmanship caused damages – even months after the job is finished.
Protect your workspace. If you rent an office, workshop or warehouse, commercial property insurance could help cover damages to your space, furniture, fixtures and other business assets after a covered event like a fire, burst water pipe, theft or vandalism.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance.

Electrician insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

What are electrical contractor insurance requirements?

In most states, there are two types of electrician insurance required for an electrician’s license:

General liability insurance for protection around the costs of damage to other people's property and injuries to non-employees.
Workers’ compensation insurance for employee work-related injuries and illnesses.

While other types of small business insurance might not be required for licensing, you may need them to help you grow your business and perform some business tasks.

For example, if you want to rent a commercial space, a landlord may require commercial property coverage.
And if you drive for business, commercial auto coverage is likely a requirement in the state where you work.

Learn more about electrical contractor licensing requirements in your state.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.