Electrician insurance
Electrician insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$31.25
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$31.25
/month*
Could help cover claims against your business for property damage and injuries to others.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
Why Does an Electrician Need Insurance?
As an electrician, precision and safety are critical on every project — but even the most skilled pros can face unexpected situations. From accidental wiring mistakes to client property damage, tool theft, or jobsite injuries, electrical contractor insurance can help protect your business and keep you focused on getting the job done right.
What Insurance Does an Electrician Need?
General Liability Insurance
From
$31.25
/month*
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
Contractor’s Equipment and Small Tools Insurance
From
$20.83
/month†
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
Workers’ Comp Insurance
From
$38.91
/month‡
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Electrician Insurance Cover?
When you’re dealing with live wires, tight spaces, and demanding projects, even the smallest slip could short-circuit your business. We’re here to help you find coverage to protect against some of the common risks you may face:
Damage to someone else’s property
While installing a new outlet, you drill into a wall and accidentally puncture a large hole in the drywall. The homeowner asks you to pay for the repairs. A general liability policy could help cover those types of third-party claims.
Care for sick or injured employees
Your crew is tackling a tricky exterior job when one of your electricians slips off a scaffold and injures his back. Workers’ compensation insurance can help cover their medical bills and provide wage replacement as they recover.
Workers’ comp is often legally required and can protect your business from costly claims, as well as taking care of your crew if they get sick or injured on the job. Even if you operate solo, we recommend workers’ comp, since many health insurance policies may not cover work-related injuries.
Damaged or stolen equipment
After finishing a long day on the job, you find your truck has been broken into — your cordless drills, multimeter, and fish tape set are missing. Contractor’s equipment and small tools insurance, also known as inland marine insurance, can help pay to replace or repair your stolen or damaged equipment — whether it’s on the move or at a jobsite.
Honest mistakes and negligence claims
Even the most experienced electricians can make mistakes. After installing a new circuit breaker, a loose connection causes a power surge that damages the client’s brand-new appliances. Adding a contractor’s errors and omissions endorsement to your general liability insurance could help cover the cost of repairs for completed work and help protect you in the event of a negligence claim.
Peace of mind for your customers
You’ve landed a large commercial electrical wiring project, but the customer requires proof that the work will be completed on time and up to code. That’s where a surety bond can come in. It’s a financial guarantee that protects your client if you can’t meet your contractual obligations. If the job isn’t finished on time or doesn’t meet agreed-upon standards, the bond can compensate the customer for their losses.
How Much Does Electrician Insurance Cost?
Try our Electrician insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Electrician Insurance Coverage Questions
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments regarding the required coverages.
If you’re thinking of buying electrical contractor insurance, we recommend having the following information when using our electrician insurance calculator:
• The state where you do business
• The type of business or trade you perform
• Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
The cost for your electrician insurance coverage is determined largely by the type of work you do, the types of risks you’re exposed to, and the number of employees you have.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices online for electrician insurance coverage in just 10 minutes right here.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your tools and equipment, we can help find the coverage you need for your electrician business.
We provide customized coverage options and quotes from top-rated small business insurance providers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high ratings and reviews from our customers.
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.