Electrician Insurance

Save up to 25% on electrical contractors 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.

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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)

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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

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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

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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

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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

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ERGO NEXT Insurance reviews

NEXT is the BEST

In need to commercial insurance, NEXT is your one stop shop!

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Best insurance should be your next insurance for your small business

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Awesome

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Great service

Very easy to use site

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Quick service.

They were just there for me instantaneously.

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New to NEXT Insurance

I am a new business owner whom just started, I am excited to work with Next, so far their website is so easy to move around and easy to understand.

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Pleased

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consolidating insurance

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General Liability

Super simple process

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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.

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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.

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Frequently asked questions about business insurance

Here are some of the most common questions we get about electrician insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect electricians?

Our electrician business insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. If you’re an insured electrician, you can be protected from financial losses related to:

Damage to someone’s property

You accidentally cause damage to an expensive painting while running conduit through a wall. The general liability coverage in your insurance package could help pay to repair the damage.**

Accidents that hurt someone

A client doesn’t see your pile of wires and falls over, hurting an ankle. Your general liability insurance could also come into play here by helping to pay for medical costs and legal fees if you go to court.

Professional mistakes

A property manager accuses you of damaging the main circuit breaker. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You accidentally touch energized electrical wiring and burn your hand. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

You drive over a huge pothole on the way to a job site and destroy both front rims. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

You left your van full of supplies at a work site and someone broke into it. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs.

Damage to your own property

A plumbing issue causes water damage in your office space. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

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, 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 an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

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 will contact you shortly after you submit to go over the details. Our support team is standing by to help.