Electricians Insurance in California
Standard riskElectrical contractors work inside occupied homes and businesses, and their exposure often centers on completed work — a faulty connection or panel installation can cause damage or fire well after the job is finished.
Key Risks for Electricians
- Fire or property damage from completed electrical work
- Injury to occupants or other trades from exposed wiring
- Theft of tools, meters, and testing equipment from vehicles
- Panel and service upgrade work in occupied buildings
- Subcontracting to unlicensed or uninsured electricians
Coverage to Consider
General Liability
Should include completed operations coverage for work performed after project completion.
Tools & Equipment / Inland Marine
Covers testing equipment, meters, and hand tools carried between jobs.
Commercial Auto
For service vehicles carrying tools, parts, and equipment.
Workers' Compensation
Required once the business has employees performing electrical work.
Typical Cost Range
Typical range
$1,900 – $3,800 / year
Pricing varies by payroll, revenue, subcontractor use, prior claims, limits, endorsements, certificate requirements, and underwriting approval.
Property managers and general contractors commonly request additional insured and completed operations wording on electrical subcontracts.
Frequently Asked Questions
Related Trades in Mechanical, Electrical, and Plumbing
Get a Electricians Insurance Quote
Tell us about your business and Casurance can help you review Travelers coverage options for electricians.
Get Your Instant Quote
Fast. Free. No Obligation.