Electrical contractors are rated on the type of work they do: service calls, new construction, tenant improvements, and specialty work such as solar, battery or EV-charger installs. The work description on your policy needs to match what you really do. This guide explains the coverage electricians typically carry and what to have ready before a call with a licensed DANESURE advisor.
Grouped by when most contractors need it. Your own list depends on your operations and each carrier’s underwriting.
Pays if your work damages someone's property or injures someone. Completed operations covers claims that show up after the job is finished, which is when many defect claims arrive. Most contracts ask for proof of it.
Pays medical bills and lost wages if an employee is hurt on the job. Most states require it once you have employees, full-time or part-time. Helpers paid as 1099s who can't show their own coverage can be counted as your employees at audit. Apprentices and foremen need to be in the right class codes.
Covers trucks, vans and trailers used for the business. A personal auto policy often won't pay a claim that happens while the vehicle is being used for work.
Covers your tools, testers and materials. General liability and auto don't cover your own tools and equipment.
Covers equipment and materials you are installing between delivery and owner acceptance.
If you design systems or do engineering yourself, this covers mistakes in the design.
Extra limits on top of general liability and auto, often required once you take larger commercial jobs.
Many general contractors, owners and property managers require additional insured status, primary & non-contributory wording and a waiver of subrogation. A certificate only shows coverage; those protections exist only if the policy is endorsed for them.
Tell us about your business and a licensed DANESURE advisor will call you at the time you choose.
This guide is general information to help you prepare. It isn't a coverage recommendation, a quote, or a promise of coverage — what you need depends on your operations and each carrier's underwriting. A licensed DANESURE advisor will review your situation with you.
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