Electrical work carries real fire and injury risk, and contractors, property managers and builders will check your coverage before you start. We help C-10 electrical contractors get the coverage their contracts call for.
Start a electrical contractors quote or call 888-391-5981.
Common risks
- A fire caused by faulty wiring after the job
- Injuries to employees from shocks or falls
- Damage to a client’s property during installation
- Vehicle accidents
- Theft of tools and wire
Coverage most electrical contractors businesses need
| Coverage | Why it matters |
|---|---|
| General liability | Third-party injury and property damage, with completed operations coverage. |
| Workers compensation | Required once you have employees. |
| Commercial auto | Your work vehicles. |
| Tools & equipment | Equipment that travels with you. |
| Umbrella | Higher limits for commercial contracts. |
California requirements
Electrical contractors with employees must carry workers compensation, and California extends the requirement to all licensed contractors on January 1, 2028. Every active license needs the $25,000 contractor bond.
Why business owners work with Pierce
- We’re an independent agency, so we compare multiple carriers instead of selling just one.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Contractors · Trucking · HVAC · Plumbers · Landscapers & tree service
See also: 2028 workers comp rule for contractors
Frequently asked questions
Do I need professional liability as an electrician?
If you do design work or give recommendations clients rely on, professional liability (errors and omissions) can fill gaps general liability excludes. We can quote both.