Do Electrical Contractors Need General Liability Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 13
- 2 min read
If you’re an electrical contractor, you might wonder: Do I really need general liability insurance? The short answer: yes. Electrical work carries inherent risks, including property damage, third-party injuries, and claims arising from completed work. Without proper insurance, even a small accident could result in costly lawsuits or lost business opportunities.
Working with a specialized agency like Wexford Insurance ensures you have the right coverage to protect your business, employees, and clients, while also helping you secure quotes quickly.
What General Liability Insurance Covers
General liability (GL) insurance protects your electrical contracting business from common risks, including:
Third-party bodily injury – Covers injuries to clients or visitors on a job site.
Property damage – Covers damage to a client’s property caused by your work.
Completed operations – Protects against claims arising after a job is finished.
Legal defense costs – Covers attorney fees and court costs if you are sued.
Other Essential Coverages for Electrical Contractors
While General Liability insurance is critical, most electrical contractors also need additional coverages to fully protect their business:
Required in most states if you have employees. Covers medical bills and lost wages from job-related injuries.
Protects company-owned trucks and vans used to transport tools and materials.
Covers claims related to faulty wiring, installation mistakes, or design errors.
Protects expensive tools from theft, damage, or loss on and off the job site.
Why Electrical Contractors Can’t Risk Being Uninsured
Even small electrical mistakes can lead to costly claims. General liability insurance:
Helps meet licensing and contract requirements
Protects business assets and future earnings
Builds trust with clients who expect contractors to be insured
Minimizes financial risk in case of accidents or lawsuits
How to Get a Quote Quickly
Work with a specialized insurance agency – Agencies like Wexford Insurance know the electrical contracting industry and can tailor coverage.
Prepare key business information – Include revenue, employees, type of work, and equipment.
Consider bundling policies – Combining GL, auto, and workers’ comp often reduces premiums.
Review coverage regularly – Ensure your policies grow with your business.
👉 Request a quote from Wexford Insurance today to get the coverage your electrical contracting business needs.
