Electrician Insurance
Coverage intended for licensed electricians — residential service, commercial wiring, and panel work.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage arising from electrical work
- ✓Fire or smoke allegations after completed operations
- ✓Damage to a customer's equipment plugged in during service
- ✓Tools and equipment (when scheduled on the policy)
Coverage products commonly considered
Most electrician operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A homeowner alleges that recent panel work caused a small electrical fire. The general liability policy is generally intended to respond to allegations of this nature in the event of a covered claim.
- During a service call, an electrician's drill damages a piece of customer equipment. General liability is intended to address allegations of this type.
Frequently asked questions
Does electrician insurance cover damage to wiring I didn't install?
Coverage typically responds to damage you caused during your work. Pre-existing wiring conditions and damage from prior installers may be excluded depending on policy form.
What about solar installation?
Solar work is sometimes classified separately. Disclose it on the application — some carriers exclude solar entirely; others require a specific class code.
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