Electricians need electrician liability insurance to protect their business. This insurance, also called general liability insurance (GL), covers costs if the electrician’s work damages property, injures someone, or causes other harm. Without proper liability coverage, one major claim could financially ruin an electrical contractor’s business.
This in-depth guide will thoroughly explain everything electricians and electrical contractors need to know about securing a general liability policy. For a more comprehensive overview, please read our Complete Guide to General Liability Insurance for Contractors.
In addition, we’ve analyzed a sample of 1,042 electrician liability insurance premiums from top providers across all 50 states for various business sizes. Although your specific risk and premium may differ, this summary offers a useful benchmark for rates based on your state and company size.
What is Electrician Liability Insurance and What Does it Cover?
General liability insurance, also known as Electrician Liability, financially protects your contracting business if you are found legally responsible for causing injury or damage to a third party. It covers legal defense fees, settlements, medical bills, and repairs up to the policy limits. Without it, a single substantial claim could lead to bankruptcy. Talk to a commercial insurance agent to ensure you have adequate coverage to safeguard your business assets and livelihood. General liability insurance for electricians covers:
- Bodily injury: Medical treatment, lost wages, and damages if a client is injured due to your mistake.
- Property damage: Repair costs if you cause an electrical fire or damage a client’s possessions.
- Personal injury: Defends against lawsuits related to negligence, invasion of privacy, or harassment.
- Completed operations: Covers injury/damage claims that emerge after you finish a project.
Without proper general liability insurance, your business is vulnerable to massive liability risk. This policy provides essential and affordable protection no electrician should operate without.
What’s NOT Covered By General Liability Insurance for Electricians?
Electricians’ general liability insurance offers wide coverage, but some things are not included, such as:
- Normal wear and tear
- Pre-existing wiring issues
- Damage to your tools or vehicles
- Employee injuries
- Intentional damage or illegal activities
- Poor workmanship or installation defects
- Liability from designing electrical systems
To fully manage risks, electricians often need additional policies like workers’ compensation, commercial auto, and inland marine insurance.
ContractorNerd’s Study: Cost of General Liability Insurance For Electricians
We studied insurance premiums for electrician liability across all 50 states, considering various business sizes. Although our analysis of 1,042 General Liability quotes may not reflect your exact risk and premium, they provide a useful benchmark for electrician businesses similar to yours in size and location. Below is a summary of our results.
- Small Electrical Contractor ($150K Revenue) – $1,300 to $1,900
- Medium Electrical ($500K Revenue) – $3,560 to $5,440
- Large Electrical Contractor ($1M Revenue) – $6,680 to $9,880
Average Electrician Liability Insurance Premiums
| State | $150K Revenue | $500K Revenue | $1M Revenue |
| Alabama | $1,600 | $4,400 | $8,700 |
| Alaska | $900 | $2,000 | $4,600 |
| Arizona | $1,300 | $3,700 | $7,700 |
| Arkansas | $1,400 | $3,800 | $7,200 |
| California | $3,100 | $4,900 | $10,700 |
| Colorado | $1,600 | $4,500 | $8,200 |
| Connecticut | $1,900 | $5,600 | $10,600 |
| Delaware | $1,700 | $4,700 | $8,700 |
| Florida | $2,300 | $5,700 | $8,300 |
| Georgia | $1,700 | $4,400 | $8,500 |
| Hawaii | $900 | $2,600 | $5,500 |
| Idaho | $1,200 | $3,200 | $6,000 |
| Illinois | $2,100 | $6,700 | $12,600 |
| Indiana | $1,500 | $4,200 | $7,900 |
| Iowa | $1,400 | $3,600 | $7,200 |
| Kansas | $1,400 | $3,900 | $7,500 |
| Kentucky | $1,600 | $4,100 | $7,700 |
| Louisiana | $3,200 | $8,900 | $18,200 |
| Maine | $1,300 | $3,700 | $7,300 |
| Maryland | $1,200 | $2,900 | $5,600 |
| Massachusetts | $1,500 | $4,200 | $7,900 |
| Michigan | $1,400 | $3,800 | $7,400 |
| Minnesota | $1,500 | $4,300 | $8,200 |
| Mississippi | $1,600 | $4,700 | $8,800 |
| Missouri | $1,600 | $4,600 | $8,700 |
| Montana | $1,800 | $5,100 | $9,800 |
| Nebraska | $1,300 | $3,600 | $6,700 |
| Nevada | $2,000 | $5,900 | $9,800 |
| New Hampshire | $1,500 | $4,000 | $7,800 |
| New Jersey | $2,500 | $7,500 | $14,600 |
| New Mexico | $1,700 | $4,900 | $9,500 |
| New York | $4,700 | $14,100 | $27,500 |
| North Carolina | $1,100 | $2,800 | $5,600 |
| North Dakota | $1,600 | $4,300 | $8,000 |
| Ohio | $1,200 | $3,400 | $6,600 |
| Oklahoma | $1,800 | $3,600 | $6,700 |
| Oregon | $1,500 | $3,900 | $7,500 |
| Pennsylvania | $2,200 | $6,300 | $12,300 |
| Rhode Island | $1,900 | $5,700 | $10,700 |
| South Carolina | $2,700 | $6,900 | $13,600 |
| South Dakota | $1,900 | $5,400 | $10,200 |
| Tennessee | $1,300 | $3,400 | $6,600 |
| Texas | $1,900 | $5,000 | $9,500 |
| Utah | $1,300 | $3,900 | $7,300 |
| Vermont | $1,400 | $3,400 | $6,600 |
| Virginia | $1,000 | $2,500 | $4,800 |
| Washington | $1,800 | $4,600 | $9,400 |
| West Virginia | $1,800 | $4,700 | $8,700 |
| Wisconsin | $1,400 | $4,300 | $7,900 |
| Wyoming | $1,300 | $3,400 | $6,600 |
These figures should be used as a guide, and specific premiums can vary based on factors like location, type of services offered, and other unique characteristics of the business. It may be beneficial to consult with an insurance professional who specializes in the electrician industry to get an accurate quote tailored to your particular situation.
ContractorNerd’s Study: Potential Savings For Electrician Liability
As an electrician or electrical contractor, your risk exposure and insurance needs are unique. A standard “one-size-fits-all” insurance policy likely leaves you either underinsured or overpaying. The key is finding coverage tailored specifically to your electrical services business.
Partnering with an independent insurance agent who understands the electrical trade can help structure an affordable policy meeting your actual risks. Areas you can customize include:
- Liability limits and deductibles relevant for typical electrician claims
- Completed operations timeframe based on your projects
- Local/state licensing and bonding regulations
- Tools and equipment coverage if operating away from your shop
- Access to group rates and discounts through trade associations
- Excluding unnecessary coverages to reduce premiums
The right liability insurance safeguards your business’s assets and peace of mind. Rather than pick a generic contractor policy, work with an agent to tailor protections to your electrical contracting exposures. The potential premium savings and complete coverage make this guidance invaluable for operating a prudent, protected electrical business.
Favorable Rates & Implied Savings on Electrician General Liability Insurance Premiums
| State | $150K Revenue | $500K Revenue | $1M Revenue | |||
| Favorable Rate | Implied Savings | Favorable Rate | Implied Savings | Favorable Rate | Implied Savings | |
| Alabama | $1,000 | 38% | $2,700 | 39% | $4,400 | 49% |
| Alaska | $600 | 33% | $1,800 | 10% | $3,700 | 20% |
| Arizona | $900 | 31% | $3,300 | 11% | $6,800 | 12% |
| Arkansas | $900 | 36% | $2,900 | 24% | $5,100 | 29% |
| California | $1,700 | 45% | $3,800 | 22% | $7,900 | 26% |
| Colorado | $700 | 56% | $1,700 | 62% | $3,900 | 52% |
| Connecticut | $1,400 | 26% | $4,200 | 25% | $7,900 | 25% |
| Delaware | $1,200 | 29% | $3,700 | 21% | $5,800 | 33% |
| Florida | $1,800 | 22% | $4,600 | 19% | $6,700 | 19% |
| Georgia | $1,000 | 41% | $2,300 | 48% | $5,000 | 41% |
| Hawaii | $600 | 33% | $1,500 | 42% | $3,500 | 36% |
| Idaho | $700 | 42% | $1,700 | 47% | $3,800 | 37% |
| Illinois | $1,800 | 14% | $4,900 | 27% | $8,000 | 37% |
| Indiana | $1,100 | 27% | $3,300 | 21% | $6,100 | 23% |
| Iowa | $900 | 36% | $2,900 | 19% | $5,100 | 29% |
| Kansas | $900 | 36% | $3,000 | 23% | $6,400 | 15% |
| Kentucky | $1,100 | 31% | $3,700 | 10% | $6,500 | 16% |
| Louisiana | $1,100 | 66% | $3,500 | 61% | $5,600 | 69% |
| Maine | $800 | 38% | $2,900 | 22% | $5,900 | 19% |
| Maryland | $600 | 50% | $1,400 | 52% | $3,000 | 46% |
| Massachusetts | $900 | 40% | $3,100 | 26% | $5,000 | 37% |
| Michigan | $800 | 43% | $2,800 | 26% | $5,600 | 24% |
| Minnesota | $1,000 | 33% | $2,500 | 42% | $3,900 | 52% |
| Mississippi | $1,100 | 31% | $2,700 | 43% | $4,600 | 48% |
| Missouri | $1,000 | 38% | $3,400 | 26% | $6,300 | 28% |
| Montana | $900 | 50% | $2,100 | 59% | $4,800 | 51% |
| Nebraska | $700 | 46% | $2,500 | 31% | $5,200 | 22% |
| Nevada | $1,400 | 30% | $4,300 | 27% | $5,200 | 47% |
| New Hampshire | $1,000 | 33% | $3,500 | 13% | $5,600 | 28% |
| New Jersey | $1,400 | 44% | $4,400 | 41% | $10,000 | 32% |
| New Mexico | $1,300 | 24% | $4,100 | 16% | $6,600 | 31% |
| New York | $2,700 | 43% | $8,300 | 41% | $18,900 | 31% |
| North Carolina | $600 | 45% | $1,200 | 57% | $2,400 | 57% |
| North Dakota | $1,000 | 38% | $3,100 | 28% | $6,400 | 20% |
| Ohio | $700 | 42% | $2,400 | 29% | $4,200 | 36% |
| Oklahoma | $600 | 67% | $1,500 | 58% | $3,300 | 51% |
| Oregon | $1,100 | 27% | $3,100 | 21% | $4,900 | 35% |
| Pennsylvania | $1,200 | 45% | $4,000 | 37% | $9,000 | 27% |
| Rhode Island | $1,100 | 42% | $3,700 | 35% | $7,200 | 33% |
| South Carolina | $1,100 | 59% | $2,800 | 59% | $6,000 | 56% |
| South Dakota | $1,300 | 32% | $3,500 | 35% | $5,700 | 44% |
| Tennessee | $800 | 38% | $1,600 | 53% | $3,300 | 50% |
| Texas | $1,300 | 32% | $3,700 | 26% | $6,100 | 36% |
| Utah | $900 | 31% | $3,000 | 23% | $5,800 | 21% |
| Vermont | $900 | 36% | $2,400 | 29% | $3,900 | 41% |
| Virginia | $600 | 40% | $1,200 | 52% | $2,700 | 44% |
| Washington | $1,100 | 39% | $2,600 | 43% | $3,200 | 66% |
| West Virginia | $1,200 | 33% | $3,400 | 28% | $5,400 | 38% |
| Wisconsin | $1,000 | 29% | $3,100 | 28% | $4,800 | 39% |
| Wyoming | $800 | 38% | $2,900 | 15% | $5,400 | 18% |
Reducing Electrician Liability Premiums
As an electrician, you can reduce your general liability insurance costs by:
- Choosing a higher deductible
- Minimizing past claims and safety incidents
- Documenting rigorous safety protocols
- Asking about industry discounts for safety training
- Bundling insurance policies for discounts
The most important way to control insurance premiums long-term is to prioritize safety. Key steps include:
- Provide ongoing safety training to workers
- Conduct job site risk assessments
- Use proper protective equipment
- Regularly inspect electrical tools and cords
- Secure active work zones properly
- Clean up work areas daily
Making safety a top priority helps avoid incidents, violations, claims and lawsuits. This allows you to maintain affordable insurance rates over time.
Visit our page on electrician insurance if you want to learn more.
How to Get Electrician Liability Quotes
Getting the right general liability insurance is essential for electricians and electrical contractors. Instead of working with big insurance companies, choose an independent insurance agent specializing in the electrical trade. They can provide multiple quotes, industry expertise, coverage guidance, risk management advice, and handle your policy, saving you money while ensuring your business is well-protected.
When researching insurance providers for electricians, it is important to understand what to look for when comparing general liability policies.
Get Electrician Liability Quotes and Insurance from ContractorNerd
Running an electrical contracting business comes with risks. Make sure you have customized general liability coverage designed specifically for electricians.
At ContractorNerd, our online tools simplify getting quotes from top providers. Just input key details about your electrical services, locations, claims history and more. We’ll deliver tailored quotes for your review.
Our Platform Helps Electricians:
- Obtain general liability quotes tailored for electrical contractors
- Tailor limits to meet project requirements
- Access guidance from our network of licensed advisors
Don’t waste energy worrying about insurance. Connect with top providers in minutes for obligation-free quotes tailored to your needs.