General Liability: Essential coverage for electrical contractors. It protects against lawsuits or other financial liabilities that result from a wide range of accidents, like a fire caused by faulty work.

Commercial Auto: Typically needed if you use your vehicle to transport work supplies like parts, testing equipment, and other tools. We offer protection for various vehicles, including cargo vans and pick-up trucks.

The cost depends on several factors, including the size of the business and its location, as well as its gross sales/receipts and payroll. For example, a solo contractor working out in the middle of nowhere in Kansas might only pay a few hundred dollars per year. In contrast, a giant company in, say, NYC might pay more than a million annually.

It’s typically expected, however, to be at least in the low thousands. But, again, that’s because of the large amount of risk involved in working with electricity and other people and property involvement in the process.

We will review your needs and help you evaluate which electrical contractor insurance policy makes the most sense for you. We’ll also compare policies and quotes from multiple insurance companies to ensure you have the best protection. So contact us to know more!