Insurance for Texas Electricians
Electrical work carries serious risks — fire, electrocution, and property damage claims are all real possibilities. We work with electrical contractors across Texas, from residential service work to large commercial and industrial projects. Whether you're a licensed master electrician or a growing electrical contractor, we'll find the right coverage at the best price.
Key Risks
- ⚠Electrical fires caused by faulty wiring or installations
- ⚠Electrocution injuries to employees or third parties
- ⚠Property damage from power surges or incorrect wiring
- ⚠Completed operations claims — electrical failures discovered after the job
- ⚠Employee injuries from working at heights or in confined spaces
- ⚠Vehicle accidents driving between job sites
Required Coverages
General Liability
Covers property damage and bodily injury from electrical work. Required on virtually every job site.
Workers Compensation
Covers employee injuries from electrical hazards, falls, and other workplace accidents.
Commercial Auto
Covers your work vehicles and equipment transport.
Tools and Equipment
Protects meters, drills, and specialized electrical tools.
Surety Bonds
Required for Texas electrical licenses and many commercial contracts.
Job Requirements
- ✓Texas electrical license requires a surety bond
- ✓GCs require GL and workers comp from electrical subs
- ✓Commercial projects require COIs before work begins
- ✓Some projects require higher limits or umbrella coverage
- ✓City permits often require proof of insurance
Frequently Asked Questions
How much does electrician insurance cost in Texas?
General liability for a small electrical operation typically starts around $800 to $2,500 per year. Costs depend on your revenue, employees, and the type of work you do. We shop multiple carriers to find the best rate.
Do electricians need pollution liability?
Most standard GL policies cover electrical work without a pollution endorsement. However, if you work with certain materials or in industrial settings, additional coverage may be needed.