Electrical Contractor Insurance provided by Browne Insurance Services

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 right insurance.
What Is Electrical Contractor Insurance?

Electrical contractor insurance is designed to protect 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 coverages for electricians
Other coverages for electricians
How Much Does Electrical Contractor 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. A solo contractor working out in the middle of nowhere in Kansas might only pay a few hundred dollars per year, whereas 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. That’s because of the large amount of risk involved in working with electricity itself, and the involvement of other people and property 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 make sure you have the best protection out there. Contact us to know more !

Get Started Today
As an independent agency, Browne Insurance Services
Helps you find the right Electrical Contractor Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

Click & Learn



  • General Liability
  • Commercial Property Insurance
  • Commercial Auto
  • Worker’s Compensation

General Liability Coverage

Risk Factors

Your employee repaired an electrical appliance of a client, but due to faulty wiring it caused a fire and damaged the house of the client

Solution

Your general liability policy would cover the cost of repairs for the damages done by your employee.

Commercial Property Insurance Coverage

Risk Factors

A fire breaks out in your office complex and spreads to your storage area, destroying much of your equipment and tools. 

Solution

Your commercial property insurance would help you cover the loss

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.

Solution

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

Workers' Compensation Coverage

Risk Factors
To change the wiring on the roof, your employee uses ladder to climb onto the roof and while doing that he slips and falls. He needs medical care and cannot work until he recovers.
Solution
Workers’ compensation would pay for his medical bills and a portion of lost income while he recovers and is unable to work.

Note:  Please talk to your financial consultant to check all the facts before proceeding

Skip to content