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Electrician Insurance

Your work is behind the walls long after you leave, which is exactly why electrical claims can surface weeks later. Get coverage that follows the work, quote it online, and stay ready for any job.

Get an Instant Contractor QuoteYou'll be taken to Next Insurance's secure site to enter your information and get a quote.
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A+ Superior, AM Best ratedBacked by Munich Re (ERGO NEXT)~750,000 small businesses covered

What Electricians Face

The risks that come with the trade.

  • Completed-work claims

    A problem with a panel or circuit can show up well after the job is signed off, when you're nowhere near the site.

  • Fire exposure

    Faulty wiring is a leading cause of structure fires, and that puts a target on electrical work when a claim gets filed.

  • Shock and arc-flash injury

    Live circuits mean a real chance of injury to you or an apprentice on any given day.

  • Client property

    Drilling, fishing wire, and cutting drywall all create chances to damage a finished space.

Coverage That Fits

Real scenarios, real coverage.

  • General Liability

    For exampleA week after a panel upgrade, the homeowner reports scorching at an outlet you tied in. General liability responds to the property-damage claim.

  • Workers' Compensation

    For exampleAn apprentice takes an arc-flash burn working a circuit that was still hot. Workers' comp covers the treatment and the time off.

  • Business Owner's Policy (BOP)

    For exampleYour drill goes through a client's water line inside a wall and soaks the room. A BOP covers the third-party damage and your gear together.

Get an Instant Contractor QuoteYou'll be taken to Next Insurance's secure site to enter your information and get a quote.

Backed By A Local Agent

Online speed, with a real agent behind it.

You quote and buy online in minutes, but David Bartal, a licensed local agent, is a phone call away for certificates, changes, and claims. That's the part the national-only sites can't give you.

433 Green Ridge St, Scranton, PA 18509570-344-0211

Frequently Asked Questions

Electricians ask us this.

Does this cover work I finished on an earlier job?
General liability generally includes completed-operations coverage, which is what responds when a claim ties back to work you already finished. Keep your policy active and continuous so there's no gap between jobs.
Can I add a general contractor as an additional insured?
Many GCs require it. That's a common request we can walk through so your certificate lists the right parties and satisfies the contract.
Do I need workers' comp if it's just me?
Sole proprietors sometimes have options, but many GCs still require a workers' comp certificate before you set foot on site. Enter your state during quoting and we can confirm what your contracts will actually ask for.
How fast can I get a certificate for a job starting tomorrow?
You can quote and buy online in minutes and download your certificate immediately. Most electricians are covered and holding a certificate the same day.

Get covered today.

Quote online, buy in minutes, and download your certificate of insurance instantly.

Get an Instant Contractor QuoteYou'll be taken to Next Insurance's secure site to enter your information and get a quote.