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Pen-and-ink Texas scene: a tall utility pole with a bucket truck on one side, a storefront with a lit sign in the middle, and a windmill beside a water tower on the other.

Texas electrical insurance

you win the work.
we help with
the insurance.

Texas electrical insurance for your jobs, crew and vans. Clear options, contract questions, and one team from quote to renewal.

get an electrical quote

Start online. A licensed broker confirms the details before pricing.

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less chasing.
more getting on with it.

the short answer

Texas licenses the electrical contracting business through TDLR, and that business must employ a Master Electrician of record and carry at least $300,000 per occurrence, $600,000 aggregate and $300,000 products and completed operations in liability insurance. Workers’ comp is a choice for most private employers, but the license application asks you to document which path you took.

what Texas requires.

The rules that come with an electrical license here.

License

An Electrical Contractor business license, with a licensed Master Electrician of record. Electrical sign work is a separate contractor category with its own master.

Insurance requirement

Business liability of at least $300,000 per occurrence, $600,000 aggregate and $300,000 products and completed operations aggregate.

TDLR’s insurance rule
Workers’ comp

A choice for most private employers, but the application asks for proof of a policy, authority to self-insure, or a no-coverage statement and filing.

General liability

Required at TDLR’s minimums. Your contracts often set higher limits and endorsements.

Sources: Texas Department of Licensing and Regulation, TDLR forms ELC‑LIC‑003 and ELC‑LIC‑021, Texas Department of Insurance. Last reviewed September 2026.

what your customers will ask for.

Tap a coverage to see what it does on an electrical job and who asks for it.

What it covers

general liability.

Damage to a customer’s property or injuries to people who aren’t your employees, like a fire traced to a connection after the panel is energized.

Who asks: TDLR, for the contractor license. GCs and owners ask too, usually with additional insured wording.

get an electrical quote

what’s different about
electrical in Texas.

good to know.

Straight answers for Texas electrical contractors.

How do I get an electrical insurance quote in Texas?
Start online with your business, location, work and coverage interests. A licensed Riza broker then confirms your operations, payroll, vehicles, claims and contract requirements before approaching suitable markets. You see the available terms and price before deciding. A request is not a bound policy, and no current policy is needed if you’re buying insurance for the first time.
What does electrical contractor insurance cost in Texas?
The price depends on the work, payroll, vehicles, claims, limits and policy terms. General liability is not the same price as a program that also includes workers’ comp, commercial auto and tools. We compare the coverage and total cost of available quotes, not just the monthly installment. Your licensing minimums and customer contracts are part of that conversation.
Can Riza compare the insurance I already have?
Yes. Your current policy gives us a starting point for the limits, exclusions and renewal date. We review available alternatives and show the differences before you choose. Keep the current policy in place until any replacement is confirmed. Switching is a decision, not a requirement for asking us to compare.
What license does an electrical contractor need in Texas?
Texas licenses the electrical contracting business through the Texas Department of Licensing and Regulation. The business must employ a licensed Master Electrician of record, who may also own it, and the master’s own license doesn’t replace the business license. Electrical sign work is a separate contractor category. Journeymen and apprentices hold individual licenses beneath the business.
Do Texas electrical contractors need general liability insurance?
Yes. TDLR requires business liability insurance to hold an Electrical Contractor license, with minimums per occurrence, in aggregate and for products and completed operations. Those amounts are a licensing floor. General contractors and owners often ask for higher limits, additional insured status and completed operations wording, and a certificate can’t add terms the policy doesn’t carry.
Do Texas electrical contractors need workers’ comp?
Most Texas private employers can choose. The electrical contractor application still asks you to document the choice: proof of a policy, authority to self-insure, or a statement electing no coverage with the matching state filing. Public projects and many private contracts require a policy even when state law would let you opt out.

Sources: Texas Department of Licensing and Regulation, Texas Department of Insurance. Last reviewed September 2026.

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

Go deeper, go back up, or see other trades in Texas.

your next Texas job.
one team to call.

Start with your business and the work ahead. We’ll talk through the details, compare available options, and explain the next step.

get an electrical quoteor call 802-GOT-RIZA