Costs and Coverage for Your Electrician Insurance

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How Much Does Electrician Business Insurance Cost?

Every electrician’s business is unique, which means that the price for electrician insurance should vary based on your details, not those of the “average” electrician.

While our electrician liability insurance policies start at just $29 per month, your price for electrician insurance may vary. The price you’ll pay depends on how many people work for you, where your business operates, and the exact nature of your jobs.

That being said, our goal is to make insurance simple and affordable. Whatever price you’re quoted, you can pay for your electrician insurance monthly, at no extra charge. We’ve also worked hard to eliminate extra fees for just about everything in order to reduce your costs. For instance, we’ve made it free to add as many people as you want as additional insured or share unlimited Live Certificates of insurance, as often as you want, and whenever you want. You can even cancel for free, online, if things don’t work out.

So take a look at the tailored coverage we offer, and choose the plan that’s right for you. Then fill out our application quickly and easily, and you can be covered in about eight minutes.

How Much is General Liability Insurance for an Electrician?

General liability insurance generally costs between $350-$450 annually, or $29-$37.50 per month.
General liability insurance for electricians generally costs our customers between $350-$450 annually, or $30-$60 per month.

Your specific cost will vary based on information about you and your business, but the coverage general liability insurance for electricians offers is similar across the field. It can protect you from certain types of expenses, including:

  • Injuries to people other than you or your employees, and related claims
  • Damage to property caused by you or your work
  • Personal injury, which includes claims that you caused injury through written or spoken words

If you’re hired to repair electrical power equipment in someone’s home and the work ends up causing a fire, damaging lots of personal property, you’ll be glad to have general liability insurance. Electrician insurance can also help cover the costs of lawyer fees or medical expenses if you’re sued for something covered by your policy. In other words, you can see your electrician liability insurance as a small price to pay for the confidence that you’re doing business in a safe and secure way.

Most of our customers pay: $350-$450 annually, or between $29-$37.50 per month
Per occurrence limit: $300,000-$1 million, depending on your policy
Aggregate policy limit: $300,000-$2 million, depending on your policy
Deductible: $0

How Much is Electrician Professional Liability/Errors and Omissions Insurance?

We at Next Insurance try to keep things simple for you. That’s why electrician professional liability insurance is included as part of a Pro or Pro Plus plan. It’s not available on its own, and here’s why:

Sometimes it’s difficult to determine which part of a claim has to do with general liability insurance, and which is a matter of your profession. For example, while damage to a wall from a fallen ladder can happen to anybody in pretty much any profession, damage from incorrect wiring would be a claim particular to an electrician’s work. By including them both in one package, you don’t have to worry about the details of which policy covers what. If need be, you simply file a claim, and if it’s covered, we work it out for you – saving you time and money.

In terms of what it covers, professional liability insurance relates to the work that you do as an electrician. If you make a mistake in your job, or don’t do something right and it needs to be redone, professional liability is what would be relevant. Here’s an example: You were hired to repair electrical power equipment in someone’s home. You made a mistake, and now the work needs to be redone. Electrician professional liability claims are often much smaller than general liability claims, and our packages reflect that.

Most of our customers pay: An additional 4-8% for this coverage, which is reflected in the total policy cost
Per occurrence limit: $0-$20,000, depending on your policy
Aggregate policy limit: $0-$50,000, depending on your policy
Deductible: $500

Choose the Plan that’s Right for You

starting from $29 per month


General Liability

$300,000 aggregate limit
$0 deductible

Professional Liability

Not included

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General Liability

$1,000,000 aggregate limit
$0 deductible

Professional Liability

$25,000 aggregate limit
$500 deductible

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Pro Plus

General Liability

$2,000,000 aggregate limit
$0 deductible

Professional Liability

$50,000 aggregate limit
$500 deductible

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What's Covered by Electrician Liability Insurance?

Bodily injury

Bodily injury

Your client walks over to you barefoot, and cuts their foot on a screw.
Advertising harm

Advertising harm

Someone sues you for improper use of images in your advertising.
Libel, slander and defamation

Libel, slander and defamation

An employee bad-mouths a client on Facebook and the client sues you.
Property damage

Property damage

You drop heavy duty equipment inside your client's house and damage their hardwood floor.
Medical payments

Medical payments

The client who cut their foot on a screw asks you to pay for their stitches, instead of suing you.
Court and legal fees

Court and legal fees

You need an attorney to defend against a lawsuit even though you did nothing wrong.

Installation, service and repair

Installation, repair or servicing of electrical power equipment
Can be for residential, industrial, or commercial use
Includes installation or repair of heavy motors, generators or transformers
Installation of flood lights, servicing and repair of parking lot and street lights
Other types of outdoor lighting and electrical work

Work within a building

Complete wiring of buildings
Installation of outlets, electrical panels, and electrical fixtures
Installation of high and low voltage wiring
Stringing of conduit and wire from power source within a building and bringing power to outlets by means of electrical wire
Cutting through walls, floors, or other partitions to bring the wire to the point of use
Installing low voltage wiring for computer systems, audio/video systems, and home entertainment systems

Other installation work

Incidental installation and repair of fixtures and appliances, domestic and commercial
Incidentall installation and repair of electrical apparatus, when performed by same contractor who installed electrical wiring for the building

Electrician Claims We've Covered:

Insured was hired to install a customer provided TV to wall. While installing the TV, it fell and broke and is not repairable.
Claim scenarios are shown for illustrative purposes only. Coverage is dependent on policy terms and conditions and the actual facts and circumstances giving rise to a claim.

What’s Not Covered by This Policy?

Interior work

Burglar or fire alarm systems work

Construction work

Power line construction

Vehicle repair

Vehicle, truck, or boat repair
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please contact us.

Why Choose Next Insurance for Your Electrician Business Insurance?

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