Construction & trades

Electricians

Licensed electrical contractors doing residential and commercial wiring, service, and installation.

Why it needs cover

The exposure

Electrical work carries fire and electrocution exposure; a wiring error that starts a fire or injures a bystander can generate a large liability or workers comp claim. Licensing boards commonly require GL to keep the license active.

What we place

Coverages this class usually needs

General liabilityOften (license)

Third-party injury/property damage and completed-operations (fire from faulty wiring)Fire/electrocution hazard

Workers' compensationRequired (with employees)

Injured-worker medical/wagesShock and ladder-fall risk

Commercial autoRequired (owned vehicles)

Service vans and vehiclesMobile trade

Inland marine (tools)Optional

Tools and test equipmentHigh-value portable gear

Professional liability / E&OOften (contract)

Design/spec errorsDesign-build electrical

What it costs

National benchmark premiums

Rated on: Payroll (WC) and revenue (GL)

General liability

$57/mo median; ~$77/mo average

BOP

$78/mo

Workers' comp

class code 5190 (electrical wiring) roughly $1.06-$2.63 per $100 payroll nationally; electrician WC averages ~$217/mo

Total annual (typical)

$1,100-$2,900/yr full program range for small operators

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: Insureon (Electrician/Construction cost); NEXT Insurance; Kickstand Insurance (NCCI 5190); Artisan Insurance.

When it goes E&S

Where this risk gets hard to place

High-voltage, industrial, and solar/EV work or a poor loss history can push electricians to E&S where admitted appetite tightens.

Contact

Talk to us about Electricians.

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