Insurance for Electricians and Electrical Contractors

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Have five minutes? That’s all it takes to get electrical contractor's insurance

    Five minutes or less - that’s all it takes to get a quote and purchase your insurance. Once done, your Certificates of Insurance (COI) will be delivered to your inbox right away. Hassle-free!

  • Fast and easy processing of electrician insurance

    You can even do it on your mobile phone, which makes it a lot easier to get a quote, especially when you’re on the go!

  • Affordable insurance, even for new electrical contractors

    Our customized insurance plans allow us to provide you with coverage options. Get a quote today!

  • Leave the entire protection of your business to us

    Relax and leave the protection of your business to us! Our personal advisor will support you to cover your business according to your needs!

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands

General Liability (GL)

From
39
Month
Instant quote »

Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations
Get BASIC plan

STANDARD

General Liability + Property (bundle them with a BOP)

General Liability (GL) + Professional Liability (PL)

From
49
Month
Instant quote »

All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown
Get STANDARD plan

PRO

Get protected against employment-related issues

GL + PL + Workers Compensation*

From
49
Month
Instant quote »

All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

Get PRO plan

CUSTOM

When you have specific requirements

Including Inland Marine, Surety Bond, Commercial Auto, etc.

From
___
Month
Instant quote »

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

General Liability

General Liability insurance covers the expenses related to property damage, personal injury, bodily injury, advertising mistakes and other related covered costs that can arise from your everyday business activities. If your business is sued, General Liability insurance can help pay for the legal expenses, attorney fees, and settlements.

Surety Bond

A Surety Bond is a contract between three different parties. The Obligee serves the Principle for completion. The Principle carries out the Obligation and the Surety (insurance provider) ensures that the obligation is carried out. If the obligation is not carried out, the surety will find another Principle to complete the task and make sure the Obligee is compensated for the loss.

Workers Compensation

Workers' Compensation is a state-mandated insurance policy that provides wage replacement, medical costs, rehabilitation, etc. to employees who become sick or injured on the job. This saves you a lot of time and money from having to defend a negligence case, as the employee relinquishes the rights to sue your business for negligence in exchange for the benefits.

Professional Liability

This insurance protects Electricians who are designing systems or training others for a fee against claims that your service has caused a customer financial harm due to the mistakes to carry out the contracted task. The insurance will safeguard your business against these risks and make sure that if it happens, you will not have to pay for the legal expenses, court fees, and settlements.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

Why do Electricians or Electrical Contractors need insurance?

One wrong installation could lead your business to bankruptcy, should it cause financial or physical harm to your customer and they sue you. Monthly payments for your insurance are better than the need for huge amounts of cash over a short period of time to pay for court costs and legal fees.

What risks do Electrical Contractors face?

Having an electrical contractor business is not without its risks, which include:

  • Malfunction of a product supplied to the customer, which can cause destruction of their property. If the customer sues, you’ll be responsible for paying for any court costs, legal fees and settlements related to the claim.
  • Illness or injury to employees on the job, in which case you’ll be responsible for medical and rehabilitation costs as well as lost wages.
  • Warehouse flooding resulting in the destruction of electronic parts. Restocking inventory will come out of your own pocket.

These are just a few of the many risks that electrical contractors can face.

How much does Electrician Insurance cost?

There are several factors that determine the cost of insurance. Most of the time insurance carriers will need to know the type of business you own, the number of employees you have and the coverage you need. Some can also ask for additional information.

To get the cost of your insurance policy, apply for a free and no-obligation quote online or simply give our customer service agents a call.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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