About $61 a month
General liability
Insureon median for electricians, updated July 2026
Contractors and trades
Electrician insurance
For licensed electricians and electrical contractors doing service, remodel, commercial and solar work: the coverage you need, what it costs and the license minimums that apply.
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What similar businesses pay
- General liability
- About $61 a month
- Workers’ comp
- About $140 a month
- Commercial auto
- About $275 a month
Published benchmarks, not quotes. Your price depends on underwriting.
Cost
What electrician insurance costs
About $140 a month
Workers’ comp
Insureon median for electricians, updated July 2026
About $275 a month
Commercial auto
Insureon median for electricians, updated July 2026
About $168 a month
Workers’ comp (NEXT)
NEXT median for electrician customers, data updated October 2026
Insureon’s figures are medians for electricians who buy through it, and NEXT reports that 47% of its electrician customers pay $77 a month on average for general liability. Commercial auto is the largest line in Insureon’s electrician table. Workers’ comp is far cheaper than for roofers: Idaho’s 2026 rate for class 5190, electrical wiring within buildings, is $1.919 per $100 of payroll, against $11.303 for roofing. As an illustration, $250,000 of electrician payroll at that rate starts near $4,800 a year before any experience modification. Insureon says solar and other higher-risk work costs more, and experienced contractors pay less than newer ones. Florin, an independent broker that compares options from several insurers, can price your mix against these figures.
What moves your price
- Residential, commercial or industrial work, and new construction versus service calls
- Solar, EV charger, utility-side or other specialty work
- The highest voltage you work on
- Payroll by class and subcontractor costs
- Prior claims, especially electrical fires
- Scheduled tools such as meters and testers
- Your state, years in business, limits and deductibles
Risks
The risks insurers price for
Fires traced to finished work
A loose lug in a panel, an overloaded circuit or a mislabeled breaker can start a fire or shock someone months after the job. That claim falls under the completed operations part of general liability, and Insureon says prior claims, especially electrical fires, raise premiums.
Shocks, arc burns and falls
BLS reports 53 fatal injuries among electricians in 2024, a rate of 5.3 per 100,000 full-time workers against 3.3 for all workers. ESFI counts 1,654 workplace electrical deaths from 2011 to 2024 and names electricians among the five occupations that account for almost half of them.
Damage while running wire
A drill bit goes through a water line behind drywall, or a ceiling cracks while you fish wire through an attic. These smaller property damage claims are frequent in remodel and service work.
Van break-ins
Service vans stocked with spools of copper wire, meters and testers are targets overnight. General liability does not cover your own tools or stock; that takes a tools and equipment policy.
Design and load calculation errors
On design-build jobs, a claim can allege negligence, late completion or a system that does not perform as promised. Insureon lists these as professional liability claims for electricians.
Coverage
Coverage to consider
General liability with completed operations
Covers injury and property damage during the job and fires or shocks traced to your finished work, subject to the policy’s terms. Texas requires electrical contractors to carry at least $300,000 of completed operations coverage.
How general liability works →Workers’ compensation
Covers shocks, arc burns, ladder and lift falls and strains from pulling wire. Florida requires it from the first employee in construction, and Washington asks for proof of it with the license application.
How workers’ compensation works →Commercial auto
Covers service vans and pickups with ladder racks. Insureon reports a median of about $275 a month for electricians, the most expensive line in its table.
How commercial auto works →Tools and equipment (inland marine)
Insureon describes it as paying to repair or replace voltage testers, wire strippers and other tools that are stolen or damaged. It reports a median of about $42 a month for electricians.
Professional liability
Covers claims of negligence, late completion or work that does not deliver as promised, which matters for design-build work and load calculations. Insureon reports a median of about $67 a month.
How professional liability works →Umbrella or excess liability
Adds limits for commercial and industrial jobs that require more than your primary policies. Insureon reports a median of about $74 a month for electricians.
How umbrella / excess works →License bond
Required in some states, such as $4,000 in Washington and $25,000 in California. Insureon reports electricians pay a median of about $10 a month for surety bonds.
Rules
Requirements and filings
Many states write insurance and bond minimums into the electrical license. These examples from Texas, Florida, California and Washington were checked October 2026; confirm your own state’s rules with its licensing board.
| Requirement | Applies to | What it means |
|---|---|---|
| General liability for electrical contractors | Texas electrical contractors | At least $300,000 per occurrence, $600,000 aggregate and $300,000 aggregate for products and completed operations; certificate due at licensing and renewal (16 TAC 73.40). |
| Customer disclosure and workers’ comp election | Texas electrical contractors | Contractors must give customers the carrier name, policy number and agent’s contact details, and may state that they have elected not to carry workers’ comp (16 TAC 73.40). |
| Liability and property damage | Florida certified electrical contractors | $100,000 per person and $300,000 per occurrence liability plus $500,000 property damage, including completed operations, or $800,000 combined single limit (rule 61G6-5.008). |
| Certificate holder and audits | Florida certified electrical contractors | The Electrical Contractors’ Licensing Board must be the certificate holder and audits at least 10% of licensees each year (rule 61G6-5.008). |
| Workers’ comp in construction | Florida electrical employers | Required from the first employee, because electrical work counts as construction (Florida Statutes 440.02). |
| Contractor bond and LLC insurance | California contractors | $25,000 bond for every license; LLC licensees need $1 million in liability insurance for five or fewer members (CSLB). |
| Workers’ comp exemption | California C-10 electrical contractors | A C-10 with no employees may file an exemption, which ends the moment it hires (CSLB). |
| Electrical contractor bond | Washington electrical contractors | $4,000 bond and proof of workers’ comp coverage with the license application (RCW 19.28.041). |
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Pay less
How to lower the cost
- Test and photograph every panel and circuit before walls close, and keep permit and inspection sign-offs with the job file.
- Tag deactivated controls and circuits as 29 CFR 1926.417 requires, and write the procedure down for every crew.
- Show solar, utility-side or other specialty work as a separate share of revenue so routine work is not priced as if it carried the same risk.
- Report office and dispatch payroll separately from electrical wiring payroll.
- Empty vans of meters and copper overnight or store them in locked, alarmed space.
- Keep certificates of insurance from every subcontractor on file before work starts.
Before you start
What underwriters ask for
- Split between residential, commercial and industrial work
- Share of new construction versus service calls
- Highest voltage you work on, and any solar, EV charger, low-voltage or utility-side work
- License numbers for the business and its master or qualifying electrician
- States you work in
- Payroll by class, subcontractor costs and subs’ certificates
- Vehicle and driver list
- Loss runs, with details of any fire or shock claims
- Limits and additional insured wording your contracts require
Common questions
Electrician insurance: questions
Do electricians need insurance to get licensed?
In many states, yes. Texas requires general liability of at least $300,000 per occurrence for electrical contractors, and Florida requires liability and property damage insurance for certified electrical contractors. Washington and California require license bonds.
Does general liability cover a fire caused by my wiring after the job?
That is what the products-completed operations part of general liability is for, subject to the policy’s terms. Texas makes electrical contractors carry at least $300,000 of it in aggregate.
Do I need workers’ comp if I work alone?
It depends on the state. A California C-10 contractor with no employees can file an exemption, and Texas lets contractors elect not to carry it. Florida requires coverage from the first employee in construction.
Do electricians need professional liability insurance?
It matters most if you design systems, do load calculations or take design-build contracts. Insureon reports a median of about $67 a month for electricians who buy it.
How much does an electrical contractor bond cost?
The state sets the bond amount, such as $4,000 in Washington or $25,000 in California, and you pay a premium for it. Insureon reports a median of about $10 a month, or $116 a year, for surety bonds bought by electricians.
Why do solar electricians pay more for insurance?
Insureon says higher-risk projects such as solar installations cost more to insure than routine electrical work. Roof work adds fall exposure on top of the electrical hazards.
Are my tools covered if they are stolen from my van?
Not by general liability. A tools and equipment policy pays to repair or replace stolen or damaged tools, and Insureon reports a median of about $42 a month for electricians.
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Sources (14)
- Insureon: electrician insurance cost, updated July 2026
- Insureon: electrician insurance
- NEXT Insurance: electrician insurance cost, October 2026
- Idaho Industrial Commission: workers’ compensation rates effective January 1, 2026
- BLS: fatal work injuries in selected occupations, 2024
- ESFI: workplace electrical fatalities 2011–2024
- 16 Tex. Admin. Code § 73.40: insurance requirements
- Fla. Admin. Code rule 61G6-5.008: public liability and workers’ compensation insurance
- Florida Statutes section 440.02, definitions
- CSLB: bond requirements
- CSLB: licenses for limited liability companies
- CSLB: workers’ compensation requirements
- RCW 19.28.041: electrical contractor license and bond
- eCFR: 29 CFR 1926.417, lockout and tagging of circuits
Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated October 2026.