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Illustrated street with a white work van, back doors open on shelves of cable spools, beside a purple cone, a porch house and utility pole on one side and a steel-stud building with an open panel behind a fence on the other

Electrical contractor insurance

wire the next
big build.

Liability, comp, vans and tools for electrical contractors taking on tenant improvements, solar and commercial work. We match your limits to the GC’s contract.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

a bad day on
the job, covered.

A scorched outlet, a fall, a fender bender. Tap around to see which policy steps in.

Illustrated cutaway of a two-story house with a scorched outlet smoking in the upstairs bedroom, an opened ceiling with dangling wires over the living room, a fallen stepladder under a sparking basement panel with a purple multimeter on the floor, and a work van with its back doors open and a dented bumper beside a mailbox

general liability

A connection overheats after you leave

Fire and smoke damage to the customer’s home.

workers’ comp

An electrician falls working the panel

Medical bills and lost wages.

commercial auto

The van backs into a mailbox

Damage you cause on the road.

tools and equipment

The copper wire gets stolen from the van

Tools and gear, on the job or on the road.

general liability

A connection overheats after you leave

Fire and smoke damage to the customer’s home.

Examples. Your policy sets the details.

the work changes
what we check.

Service calls, tenant improvements and controls work carry different risks. Pick yours.

Service and repair

Most calls, most homes.

We check how the policy treats damage from finished work, and whether a personal pickup on an after‑hours call is covered like a company van.

we check first: Completed operations. Illustrated breaker panel with its door open, a tool bag and a coil of cable on the floor, and a purple voltage tester

electrical businesses
usually carry.

Put them on one program and we shop them together at every renewal.

fire on the job?
make one call.

We file it, get an adjuster on it and follow up until it’s closed.

  1. 1. Call us from the job

    Tell us what happened and send a few photos.

  2. 2. We file it

    Photos, notes and the customer’s details go to the carrier.

  3. 3. We push it through

    Repairs, the customer’s claim and your payout, followed to the end.

the best price, without the shopping.

Tell us about your business once. We compare the market and bring back your options, side by side.

Brightline Electric

your options

$19,600a year, 4 policies

3 options, same coverage

Option A$19,600

Option B$21,200

Option C$23,100

7 electricians4 vansAustin, TXClean records
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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what changes in
your state.

Licenses, bonds and workers’ comp change by state. Tap yours.

Arizona

ROC license by class, a bond set by license type and volume, comp from your first hire.

see Arizona electrical

guides
electricians ask for.

Coverage, the comp rules and what changes the price.

growing by
acquisition?

Buying another electrical shop, backed by private equity or getting ready to sell? We cover the deal and the company you’re building.

good to know.

Straight answers about electrical contractor insurance.

What insurance does an electrical contractor need?
Most electrical shops carry general liability, workers’ comp once they have employees, commercial auto for work vans, and tools coverage for meters and pullers. GCs and property managers often ask for additional insured wording. Some states tie liability to the contractor license. What you need depends on your work, your crew and your contracts.
Does general liability cover an electrical fire after the job is done?
It can cover damage to someone else’s property caused by your finished work, under the completed operations part of the policy. Replacing the faulty connection itself is a separate question from repairing the wall or contents it damaged. Exclusions and policy dates matter, so the wording is worth reading closely.
What affects the price of electrical contractor insurance?
Mainly the kind of work (service, tenant improvements, new construction, solar, controls), energized work, payroll, vans and drivers, subcontractors, the size of your largest jobs and your claims history. Clean records and clear contracts help. We compare limits and exclusions alongside the premium.
Does general liability cover design or controls work?
Not always. Design, programming and a promise about how a system will perform can sit outside ordinary general liability. Shops that do controls, low voltage design or solar layouts often look at professional liability to fill that gap. The policy wording and your contracts decide where the line falls.
What insurance do general contractors require from electricians?
Usually general liability at the limits the contract sets, plus workers’ comp, commercial auto and sometimes an umbrella. Many GCs also want ongoing and completed operations additional insured, primary and noncontributory wording, and a waiver of subrogation. The contract’s insurance exhibit lists the details.

Insurance words, in plain English: waiver of subrogation · certificate of insurance · additional insured · primary and noncontributory · hold harmless agreement · contractual liability · per-project aggregate · completed operations

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA