Insurance for electricians

Finish the wiring. Keep the protection working.

Electrical work can come back to you long after the last inspection. Your insurance should be ready for that.

What we place

Protect the van and the call-back two years later.

General liability with completed operations, because a fire two years after the job can still come back to you.
Tools and equipment coverage for what lives in the van, at the shop, and at a jobsite.
License and permit bonds cities and counties ask for, plus workers' comp for your crew.

What trips up your trade

Tools stolen from a van at a job site are usually not covered unless you carry tools and equipment coverage.
Completed operations protection matters when the claim arrives after you have finished and been paid.
City and county bond requirements can hold up a job if they are left until the last minute.

What we need to quote

A description of the electrical work you do and whether you take commercial, residential, or both.
Your current declarations page, if you have one.
Your tools and equipment values, especially what travels in the van.
Any bond requirements from the cities or counties where you work.
Payroll and owner coverage details for workers' comp.

Bring your current declarations page and a clear look at the tools that travel in the van. That gives us a useful place to start.