Industries · Electrical
Insurance for Electricians and Electrical Contractors
Electrical work carries fire, shock, and property-damage exposures that clients and general contractors take seriously. Whether you run a single service van or a crew doing commercial fit-outs, KTL can help you review the coverage options that fit how you work.
Get a Electrical QuoteExposures to think about
- Fire or property damage alleged to result from wiring or installation work, including after a job is complete.
- Employee injuries from shock, falls from ladders and lifts, and repetitive strain.
- Service vans carrying expensive testers, wire, and tools.
- Contract requirements for additional insured and waiver of subrogation endorsements.
Coverage options to discuss
Contractors General Liability
General liability is usually the first policy a client, general contractor, or property manager asks to see. It is designed to respond to claims that your work or operations caused bodily injury or property damage to someone else, subject to the policy's terms, limits, and exclusions.
Contractors Workers' Compensation
Workers' compensation is designed to provide benefits to employees who are injured on the job, as defined by state law and the policy. Most states require it once you have employees, and many general contractors require proof of it from their subcontractors.
Commercial Auto & Work Trucks
If your trucks, vans, or trailers are titled to the business, carry tools and materials, or are driven by employees, commercial auto is the policy designed for that use. It can include liability, physical damage, and other coverages depending on what you select.
Tools & Equipment Insurance
Your tools travel with you, and a general liability policy is not designed to cover your own property. Tools and equipment coverage — often written as an inland marine or contractor's equipment floater — can cover your gear on job sites, in transit, and in storage, subject to the policy terms.
Commercial Umbrella & Excess Liability
Larger contracts often require liability limits higher than a primary policy provides. A commercial umbrella or excess liability policy can add limits above specified underlying policies, such as general liability, auto liability, and employer's liability.
Builders Risk & Installation Coverage
Materials and equipment you are installing are at risk until the project is complete and accepted. Builders risk and installation floaters are designed to cover property in the course of construction or installation, subject to the policy terms.
Practical questions we'll ask
- Is your work mostly residential service, commercial, or industrial?
- Do you perform any solar, low-voltage, alarm, or high-voltage utility work?
- What is the highest working height on typical jobs?
- Do you use subcontractors, and do they carry their own insurance?
Your answers help an agent understand which markets may be a fit. Not every electrical business qualifies with every carrier, and some operations require additional underwriting review.
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Ready to review your coverage?
Tell us about your business. A KTL agent will review your information and follow up about available options.