Electrician Insurance

Get Electrician Insurance for as Low as $29.75/Month.*

You’ve spent years learning and practicing your trade to get to where you are today. With so much time invested in your business, you owe it to yourself to protect your hard work.

Not sure where to get started? Simply Business has you covered.

We’re an online insurance brokerage that’s committed to helping small business owners like you find personalized and affordable coverage. If you’re looking for electrician liability insurance, we can help you find the policy that’s right for you.

The best part is that the entire quote process takes only a few minutes. Simply answer some questions about your business to get custom quotes from the nation’s most trusted insurers. We’ll let you know exactly what type of policies you need.

Ready to get started?

Business Insurance for Electrical Contractors: Available Policies

  • General liability insurance
  • Workers compensation insurance


  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help clients feel good about your work.
  • It may be required where you’re located.
An insured Electrician using meter to test ceiling outlet

Insurance Policies Available for Electricians

Your expertise lies in circuits and conductors, not policies and premiums, and that’s OK. Business owners support their communities with their skills, which doesn’t leave much time to learn about business insurance. Luckily, you don’t need to be an insurance expert to get covered. We know you have a lot on your plate, so let’s cover the essentials of electrician insurance.

General Liability Insurance for Electricans

Do you know how a surge protector prevents a voltage spike from damaging an appliance? General liability insurance works similarly for your business. There’s an average amount of stress that your business may deal with daily, but a single spike in costs because of an accident or injury could do serious harm to your company.

That’s where GL insurance comes in. General liability insurance, or GL, covers costs associated with third-party accidents, damages to property, and bodily injury to a third party (e.g., a client or vendor). You also may be able to add Contractors Tools and Equipment coverage, which could offset the cost of damaged or stolen tools and equipment.

Accidents can happen to any business at any time, and they may not be under your control. For example, imagine you’re wiring a new light post at a client’s home. You realize you forgot something in your truck, so you step away, but leave your ladder. It’s a sunny summer afternoon, but while you’re away, a gust of wind comes through and topples the ladder — right on to your client’s car.

The average customer injury or damage claim — something that general liability insurance covers — is a whopping $30,000. In the scenario above, your client could sue you for the cost to repair their damaged car, and potentially more if the damage prevents them from working or leads to other issues. Without GL electrician insurance, you’d need to pay for any legal fees and damages out of your own pocket. Ouch! However, having a policy could potentially spare your bank account.

To recap, here’s what general liability insurance usually can cover:

  • Bodily injury to another person
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Now check out what general liability insurance for electricians usually doesn’t cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Motor vehicles while in business use
  • Expected or intentional injury or damage
  • And more

Workers’ Compensation Insurance for Electricians

Calling all electricians with employees — this section is for you. If you have full-time or part-time employees, the chances are that your state requires you to have workers’ compensation insurance. This type of insurance covers medical bills, lost wages, and any legal costs associated with an employee who gets sick or hurt on the job.

Considering the average work injury costs is $41,000, a monthly investment into workers’ comp could save you a lot of cash down the road. Even if your team is small, your employees can sleep easier knowing they’re protected in case of an accident.

In general, workers’ compensation insurance for electricians can cover:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits
Electrician with electrician insurance is checking wiring

Why Should I Get Electrician Insurance?

We understand that you may have a lot of questions about business coverage. How much does electrical business insurance cost? How much coverage do I need? Is it required? As someone in charge of your own business, it’s smart to explore your options first.

Let’s start with the cost of business insurance. Any new monthly expense requires consideration, but you don’t need to sign up for a one-size-fits-all policy that’s beyond your needs or means. Your coverage amount, and subsequent monthly cost, is dependent on your business right now. Factors such as whether or not you have employees, your business location, services you provide, revenue, and more are all considered in your custom quote for .

Investing in business electrician insurance could mean the difference between accidents being minor hiccups and business-ending incidents. The average costs small business owners can be exposed to without insurance include:

  • $30,000 for property damage or accident claims
  • $39,000 for work injury claims
  • $50,000 for reputational harm claims (e.g., in cases of slander or libel)
  • $20,000 for a client slip-and-fall case

Building a business is hard enough, and a client’s claim for tens of thousands of dollars can put your business or personal finances on the line. While electrician business insurance may not be required in your state , it’s a good idea to have it. Unfortunately, being careful in your business doesn’t make you accident-proof.

We’re passionate about helping business owners get insured, because we know how much heart, soul, and time you invest in making your dreams a reality. Having insurance also means you’ll receive a certificate of insurance (COI) that you can show to clients, vendors, and more that you’re committed to safety and excellence.

Just answer a few questions about your business, and you can compare free electrician insurance quotes from the nation’s top insurers.

Looking for more information about electrician business insurance? We have a helpful guide here.

Question marks

Electrician Insurance FAQs

It’s common for states to require electricians to carry a general liability policy because it can protect consumers and businesses, but not every state has the same laws. Our licensed insurance agents can help you understand the requirements where you live. We always suggest GL insurance, and workers comp insurance is usually required if you have employees.

Generally, businesses can deduct insurance premiums from their income tax. We always advise that you talk to a local accountant for your specific tax questions.

We’ve designed our quote process to help you calculate how much coverage you need. Your policy depends on:

  • The size of your business
  • Your business’s location
  • Your annual revenue
  • And more

If you have more questions, our licensed insurance agents will be happy to assist you!

Our quote process and licensed agents take the guesswork out of getting insured, but you can speed up the process if you have the following on hand:

  • Annual revenue and payroll estimates
  • Information on any previous claims
  • Valid training and certificate licenses as required by state law

Yes, there are different business insurance laws by state. You don’t necessarily need to know your state’s laws to get started, as our quote process considers your location, and our licensed agents can help you understand the requirements where you live. .

A comprehensive insurance product — one that includes general liability and workers compensation — can cover:

  • Bodily injury
  • Accidents and damages
  • Employee injuries
  • Unintentional mistakes
  • And more

If you don’t have employees, your electrician liability policy can cover:

  • Bodily injury
  • Accidents and damages
  • Unintentional mistakes
  • And more

Each electrician liability policy is unique, and depends on what kind of work you’re doing and whether or not you have employees. Your policy cost will also be determined by:

  • Payroll estimates
  • The location of your business
  • The specific services you offer
  • And more

Want to see how much your business insurance may cost? Just click here to answer a few questions and get free quotes to compare policy prices.

Our licensed agents may be able to help you find insurance that offers protection for your other services.

Electrician with electrician insurance is installing lighting

Why Choose Simply Business?

Sometimes it feels like the weight of your business rests on your shoulders, and it’s understandable that so many insurance choices out there can be overwhelming.

At Simply Business, we aim to cut through the jargon, help you find your perfect coverage quickly, to allow you to get on with your day. We’re one of the fastest-growing online insurance brokerages, thanks to the thousands of business owners like you who trust us to protect their business.

So why choose Simply Business? It’s, well, simple:

We’re fast and affordable. Getting insured isn’t an all-day ordeal here — you can find and compare personalized plans in under 10 minutes.

We’re flexible with coverage. Whether you need simple coverage for your new business or a growing policy for your expanding team, we’re here to help.

We get your business. You’re more than a business owner — you’re an individual. We help match you with insurance for your unique needs.

We offer the best coverage to protect your business because we know how much your work means to you.

*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on July-September 2023 data of 10% of our total policies sold.

This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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