Professional electrician working at electrical panel

Electrical Contractor Insurance

Specialized protection for electricians and electrical contractors. From electrocution hazards to electrical fires, we cover the serious risks of your trade.

Get Your Free Electrical Quote 1-800-252-6885

Coverage Types for Electrical Contractors

Build a comprehensive insurance package that protects every aspect of your business.

General Liability

Protects against third-party claims for bodily injury and property damage. Essential for working in homes and businesses.

Workers Compensation

Covers medical expenses and lost wages for electrical workers injured on the job. Florida requires coverage once you have 3+ employees.

Commercial Auto

Covers service vehicles, bucket trucks, and equipment trailers used for electrical work.

Inland Marine / Tools

Protects your electrical tools, testing equipment, and inventory against theft, damage, and loss at job sites.

Commercial Property

Covers your shop, warehouse, and stored equipment against fire, theft, storm damage, and other perils.

Electrical Equipment Breakdown

Covers the cost to repair or replace expensive electrical testing equipment and diagnostic tools.

Get Your Free Electrical Insurance Quote

Step 1 of 425%

Let's Get Started

We just need a few details to begin your free quote.

Business Name *

Contact Name *

Phone Number *

Email Address *

Street Address

City

State

ZIP

🔒Your information is protected and will never be shared. We use it solely to find you the best insurance coverage and rates.

Most quotes delivered same day · 1-800-252-6885

Common Electrical Contractor Risks

Understanding these risks helps you choose the right coverage.

Electrocution and electrical shock injuries to workers

Arc flash burns and blast injuries

Electrical fires caused by faulty installations

Damage to customer's property during wiring projects

Injuries to homeowners or bystanders from exposed wiring

Code violations resulting in project delays and fines

Power surges damaging customer equipment after installation

Errors and omissions in electrical design or installation

Why Choose Greene & Associates?

Electrical Risk Specialists

We understand high-voltage liability, arc flash exposure, and the specialized risks electrical contractors face.

License-Compliant Coverage

Our policies meet Florida electrical licensing requirements so you can maintain your contractor license.

Audit Support

We help with workers comp audits and class code questions to ensure accurate, fair pricing.

Frequently Asked Questions

What insurance does an electrical contractor need in Florida?

At minimum, you need general liability, workers compensation, and commercial auto. Most general contractors and homeowners require proof of insurance before hiring you. Many also require umbrella liability coverage for larger projects.

How much does electrical contractor insurance cost?

Costs depend on your crew size, revenue, coverage limits, and claims history. Most electrical contractors pay $4,000-10,000/year for comprehensive coverage. New contractors or those with prior claims may pay more. We shop multiple carriers to find competitive rates.

Do I need insurance to pull electrical permits in Florida?

Most counties in Florida require proof of general liability insurance to issue electrical contractor licenses. Minimum coverage amounts vary by jurisdiction. We can help ensure you meet local requirements.

What's the difference between electrical liability and E&O insurance?

General liability covers physical damage and bodily injury. Errors & Omissions (E&O) covers financial losses from mistakes, such as faulty wiring that causes a project to be redone or design errors that result in additional costs.