When the stakes are higher than most trades
Protection against the risks of electrical work
A missed grounding connection or an overloaded circuit can lead to a fire, an injury claim, or an expensive tear-out long after the panel is closed up. Navacord provides electrician insurance built around the realities of working inside live systems and occupied properties, from a residential panel swap to an industrial retrofit.
Built for electrical contractors
A policy that fits how your business operates
As your vendor business grows, so does your exposure. Our brokers combine local knowledge of the markets, festivals, and trade shows you attend with Navacord’s national strength and expertise. We work with you to build a policy that reflects how and where you sell, then stand behind you if a claim arises, helping you navigate the process so you can get back to business.
Who we help
Electrician insurance supports electrical businesses of every size, from solo contractors to full commercial crews. Whether you install, repair, or maintain electrical systems, we build coverage around the work you do and the code requirements you meet.
Electrical contractors
Handle installations across residential, commercial, and industrial properties, facing liability tied to wiring, code compliance, and property damage.
Electrical repairpersons
Carry liability risk each time they diagnose or repair a system already in use inside a client's home or business.
Lighting consultants and technicians
Face equipment and installation risk when designing, installing, or servicing lighting systems on a client's property.
Construction companies with electrical divisions
Carry combined project and trade risk when electrical work is one part of a larger build.
Our electrician insurance expertise
We understand the licensing requirements and on-site risks electricians face, and we build coverage that reflects the realities of electrical contracting.
We advocate on your behalf when a claim arises, helping you navigate the process quickly and with minimal disruption.
We tailor coverage limits to match your crew size, service area, and annual revenue.
We help you insure the tools and equipment your business relies on, both on-site and in transit.
We deliver practical advice on reducing liability risk on the job, helping prevent claims before they happen.
Key coverage types for electricians
An electrician insurance policy generally combines several forms of commercial coverage. The appropriate options, limits, deductibles, and endorsements will depend on your operations and the requirements you must meet.
Commercial general liability
Commercial general liability insurance protects your business against third-party claims of bodily injury or property damage caused by your operations, helping cover legal costs and settlements if you're found responsible.
Contractors errors and omissions insurance
Your CGL responds when faulty wiring causes a fire or damages a client's property, but it excludes the cost of correcting the work itself. Contractors E&O covers claims that your wiring or installation was defective and must be repaired or replaced, even when the problem isn't discovered until long after the job is complete.
Professional liability insurance
If your business designs electrical systems, provides engineering or consulting services, or works on a design-build basis, professional liability responds to claims that a design error caused a loss.
Commercial property insurance
Commercial property insurance can cover your office, shop, inventory, furnishings, and other contents against insured losses. Equipment taken off-site may require separate floater coverage.
Commercial auto insurance
Protects vehicles owned, leased, or registered by your business, including company cars, service vehicles, and delivery trucks, against covered auto-related losses.
Cyber liability insurance
Supports your business in managing and recovering from a cyber incident. Coverage may include data restoration, customer communication requirements, business income loss, ongoing operating costs during interruptions, crisis response services, and related recovery expenses.
Umbrella / excess liability
Extends liability protection beyond the limits of your commercial general liability (CGL) and commercial auto insurance policies and is often required to satisfy contractual obligations.
Business interruption insurance
When covered property damage disrupts normal operations, this coverage can help offset lost revenue and cover qualifying ongoing or additional expenses incurred while the business recovers.
Tools and equipment floater
A tools and equipment floater can cover portable tools and testing equipment against insured loss or damage at your premises, in transit, or at a job site.
Learn from our electrician insurance experts
"The most common misunderstanding I see in the trades is the assumption that general liability covers everything that goes wrong on a job. It doesn't. Your CGL responds when your work causes injury or damage to someone else's property. It will not pay to open a wall and redo your own wiring; that is what Contractors Errors & Omissions is for. And if you're designing the system as well as installing it, you've taken on a professional exposure that needs its own policy."
FAQs for electrician insurance
Electrician insurance is not a single policy. It combines coverage selected for an electrical contracting business, which may include commercial general liability, tools and equipment, installation materials, property, vehicles, and business interruption.
Beyond the risk of injuring yourself on the job, a third-party injury can leave you facing legal fees and medical claims, even when you're not at fault. You're also exposed to electrical fires, faulty work that surfaces after a job is done, tool theft from your van or shop, and cyber theft if you handle client payment information.
If a client trips over your ladder or your your ladder goes through a client's window, general liability insurance helps cover the injury or property damage claim that follows, regardless of whether the incident had anything to do with the quality of your electrical work.
Contractors E&O covers the cost to repair or replace your own faulty work when a client claims it was defective. Your general liability policy will not pay for this. Professional liability applies when you design the system or provide engineering or consulting services, and responds to claims that a design error caused a loss. An electrical contractor who both designs and installs should carry both.
Tools and equipment coverage can help replace tools that are lost, stolen, or damaged at a job site, in your vehicle, or in transit between locations, depending on your policy.
