Electrician Insurance Coverage Checklist
The coverages an electrician business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for electrical contractors. Priorities reflect typical exposure for this class; confirm against the applicant's actual work mix.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Workers' Compensation | NCCI class code 5190 (electrical wiring) carries wide state-to-state rate variance, and a single serious arc-flash or vehicle claim can hold an experience modifier above 1.0 for years — directly affecting which carriers will quote the account. | Core | |
| Commercial General Liability | Covers third-party bodily injury and property damage from electrical work — the baseline for any licensed electrician. | Core | |
| Commercial Auto Liability | Covers service vehicles and equipment trailers transporting crews between job sites. | Core | |
| Products & Completed Operations | Covers claims discovered after the job is finished — a defective installation that causes a fire or system failure months later. | Core | |
| Inland Marine / Equipment Floater | Covers tools, testing equipment, and diagnostic gear against theft or damage away from the shop. | Prevalent | |
| Umbrella / Excess Liability | Extends limits above GL/auto/employers liability — increasingly required by commercial GCs before signing a subcontract, especially where an experience modifier is elevated. | Prevalent | |
| Professional Liability (Design-Build) | Applies when the electrician provides design input rather than installing to someone else's plan — string sizing and interconnection specifications on solar PV work is a specific, growing example. | Situational | |
| Pollution Liability | Situational for work involving older buildings where wiring disturbance could release contaminants, or disposal of ballasts/transformers containing PCBs. | Situational |
The coverage gap most often missed
The gap most likely to be missed for this trade is completed-operations coverage on solar PV and EV-charging installation work. As residential and commercial solar volume grows, defective panel mounting, inverter installation, or interconnection work increasingly surfaces as a property-damage or fire claim well after the job is finished — and it carries a professional-liability component (design/sizing decisions) that pure installation work does not. An electrician expanding into PV/EV work should have that shift in operations reflected in the policy, not just assumed to be covered under a general electrical GL program.
Send us the checklist and we'll review your electrician coverage line by line, then market it across multiple carriers that compete for your account.
Related: Electrician Insurance · Electrician Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an electrician business need?
The core coverages for an electrician business are Workers' Compensation, Commercial General Liability, Commercial Auto Liability, Products & Completed Operations. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my electrician coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.