Trade
Insurance for Texas Electrical Contractors
Electrical work carries some of the highest risks in the construction industry — fire, electrocution, and property damage are real possibilities on every job. We work with electrical contractors across Texas and understand the unique challenges: higher premiums because of risk classification, GCs demanding bigger limits, and the constant threat of completed operations claims when wiring fails months after the job. We shop specialized carriers to get you the best rates.
Risks Electricians Face
Fire caused by faulty wiring or electrical work — this is what keeps underwriters up at night
Electrocution or shock injuries to employees
Property damage to client structures during installation
Completed operations claims — electrical failures that show up after the job is done
Arc flash injuries on commercial and industrial jobs
Code violation liability
Coverage Electricians Need
General Liability
Covers property damage and bodily injury claims from your electrical work. Higher limits are common for this trade.
Workers' Compensation
Essential for electricians due to the high risk of workplace injuries. Most GCs won't let you on site without it.
Commercial Auto
Covers your service vehicles and equipment transport.
Tools & Equipment
Protects meters, testers, power tools, and specialized equipment.
Umbrella / Excess
Extra coverage for the higher-risk nature of electrical work. Many commercial contracts require it.
Need Insurance for Your Electrician Business?
We shop multiple carriers to find the best rate for electricians in Texas.
Common Job Requirements
GCs typically require $1M/$2M GL limits for electrical subs
Commercial and industrial projects often require higher limits with umbrella
Workers' comp is almost always required by GCs
Texas electrical license may require a surety bond
Many projects require additional insured endorsements
Frequently Asked Questions
Get a Electricians Insurance Quote
Tell us about your business and we'll find the best coverage options.
Let's get your coverage figured out.
Submit your info and we'll shop options from multiple carriers. Most quotes come back within one business day.