Electrical contractor insurance for the shop, the job site and the work you leave behind
Electricians carry exposures most contractor policies weren't written for: arc-flash injuries, design and load-calculation errors, and callbacks on installations that surface months later. We build programs for residential, commercial and industrial electricians across Washington and Oregon.
A-rated carriers · Same-day certificates · Additional insureds added quickly
When a job goes wrong on site
Three illustrative examples of how a single electrical exposure escalates when coverage is missing or poorly structured, and what closes the gap.
A faulty panel install burns down a warehouse
A commercial panel failed six months after installation, starting a fire that destroyed a 50,000 sq ft warehouse and its inventory. The owner sued for property damage, business interruption and lost inventory. The gap: completed-operations coverage carried a $500K limit and there was no umbrella, leaving the contractor exposed for the judgment above the limit.
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your business
Tell us how you operate and we'll show the coverages that typically apply. Every electrical contractor starts with general liability, a business owners policy and contractors equipment. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- General LiabilityThird-party injury and property damage from your work.
- Business Owners Policy (BOP)Shop property, income and liability bundled.
- Contractors EquipmentWire pullers, meters, trenchers and generators.
- Workers' CompensationShock, arc-flash, burns and falls to your crew.
- Employment Practices LiabilityDiscrimination and wrongful-termination claims.
- Commercial AutoService vans, bucket trucks and the gear inside.
- Professional Liability (E&O)Design, spec and load-calculation errors.
- Installation FloaterPanels, conduit and switchgear before completion.
From first call to certificate
Understand your operation
Residential, commercial or industrial; new construction or service; high-voltage work, design responsibility, crew size, subcontractors, payroll, fleet, equipment, loss history and contract requirements.
Go to contractor markets
We approach A-rated carriers that specialize in the electrical trades and understand arc-flash and completed-operations risk, with monoline and package options and competitive rates for clean loss runs.
Build the program
General liability and completed operations, a BOP, commercial auto, contractors equipment and installation floater, professional liability and workers' comp, with pollution, bonds and umbrella limits added as your work requires.
Certificates and claims
Same-day certificates and additional insureds for GCs and commercial jobs, surety-bond and contract support, claims advocacy from first notice, and annual reviews.
Every policy an electrical contractor may need
Filter by type or search to see the range of coverage we place for electrical contractors.
General Liability
Third-party bodily injury and property damage arising from your electrical work, including completed-operations coverage for work after a project is finished.
Professional Liability (E&O)
Claims alleging design errors, specification mistakes or negligent advice in system designs, load calculations or energy assessments.
Umbrella / Excess Liability
Additional limits above your primary policies, often required for large commercial projects and contracts.
Contractors Pollution Liability
Environmental claims from transformer-oil spills, PCB contamination or hazardous-material exposure during renovation of older buildings.
Business Owners Policy (BOP)
Bundled coverage for your office or shop: property, business interruption and general liability for small to mid-size contractors.
Contractors Equipment
Wire pullers, multimeters, trenchers, scaffolding and generators at the shop, on the job site or in transit.
Installation Floater
Materials and equipment during installation, including panels, conduit, wire, fixtures and switchgear, against theft, fire or damage before the project is complete.
Commercial Auto
Service vans, bucket trucks and work vehicles, including tools and equipment stored inside, for collision, theft and liability.
Surety Bonds
License, bid, performance and payment bonds required for public projects and many commercial contracts, placed with A-rated sureties.
Cyber Liability
Data breaches, ransomware and cyber incidents, relevant if you handle client data, smart-home systems or connected building automation.
Workers' Compensation
Medical expenses, lost wages and disability benefits for electricians and apprentices injured by shock, arc flash, burns and falls.
Employment Practices Liability
Employee claims of discrimination, harassment, wrongful termination or other employment disputes as your team grows.
Coverage for every kind of electrical work
Programs from solo service electricians to large industrial contractors.
Residential electricians
Panel upgrades, rewiring, new construction, remodels and service calls for homeowners and residential builders.
Commercial contractors
Offices, retail, restaurants, hotels and tenant improvements with complex electrical systems.
Industrial electricians
Manufacturing plants, warehouses, processing facilities and heavy industrial installations with high-voltage systems.
Solar and renewable energy
Solar installation, battery storage, EV charging stations and renewable-energy integration.
Low voltage and data
Structured cabling, fire alarm, security, audio/visual and building-automation specialists.
Healthcare and critical facilities
Hospitals, data centers, laboratories and facilities requiring redundant power and strict code compliance.
Service and repair
Troubleshooting, repairs, panel maintenance and emergency service calls for residential and commercial clients.
Sign and lighting contractors
Interior and exterior lighting, illuminated signage, and parking-lot and site lighting.
Generator and backup power
Standby generators, transfer switches, UPS systems and backup power for homes and facilities.
Brokers who understand the trades
Electrical trade experience
We've insured electrical contractors across Washington and Oregon since 1992. We understand arc-flash exposure, completed-operations liability and design errors, and place coverage with contractor markets that reward good loss history.
Same-day certificates and claims support
Certificates for a job starting tomorrow, additional insureds added quickly, and steady advocacy through an injury or property claim.
Contract review and risk support
We review GC insurance requirements and help you negotiate terms without overbuying, with safety-program guidance and coverage-gap reviews along the way.
Get your electrical contractor insurance quote
Request a coverage review and quotes from brokers who work with electrical contractors every day. No obligation. You can also email info@firstunderwriters.com.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder; the coverage builder is a starting point for discussion, not a quote. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.