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Electrical Contractor Insurance

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Electrical Contractor Insurance 

Working on electrical systems, whether in a home or at a business, can be dangerous. Self-employed electricians or electrical contractors deal with unique risks because they handle, Live wires, Active Circuits and Specialized equipment. We can help manage the associated risks with the right insurance.

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General Liability
Commercial Property Insurance
Commercial Auto
Worker’s Compensation

General liability coverage

Risk Factors

While on vacation in Europe, you lose the tote bag with everyone's passports.


Your homeowners' policy can help with the cost of replacing passports and other valuable papers.

Commercial property insurance coverage

Risk Factors

If any company vehicles are involved in an accident, you must pay for third-party bodily injury, property damage, or pollution cleanup.


Commercial Auto policy would cover any expense for the medical care of the other driver and repair of his property.

Commercial Auto Coverage

Risk Factors

If any of your company vehicles are involved in an accident, you have to pay for third-party bodily injury, property damage, or pollution cleanup.


Commercial Auto policy would cover any expense for the medical care of the other driver and repair his property

Worker’s compensation coverage

Risk Factors

To change the wiring on the roof, your employee uses a ladder to climb onto the roof and slip and fall while doing so. They need medical care and cannot work until he recovers.


Workers’ compensation would pay for their medical bills and a portion of lost income while they recover and are unable to work.

What is Electrical Contractors Insurance?

Electrical contractor insurance protects electricians and the company they work for (if not self-employed) from damage due to negligent work and injuries caused/sustained during a day on the job. It can also protect against damage to or theft of company property.

Basic coverage provided by Electrical Contractors Insurance

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.

How much does Electrical Contractors Insurance cost?

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 NYC might pay more than a million annually.

It’s typically expected, however, to be at least in the low thousands. Again, that’s because of the large amount of risk involved in working with electricity itself 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!

Already have Electrical Contractor Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Wittmann Insurance

We extend coverage to individuals and businesses in Wisconsin and surrounding areas.

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