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General liability for electricians
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
Third-party injury and property damage — including harm your completed wiring causes after the crew has left.
What it covers for electrical contractors
Protects the business against claims of bodily injury, property damage, and personal injury. Its products/completed-operations section pays for damage that occurs away from your premises and is caused by your completed work — the defining electrician exposure, since wiring stays energized in the customer's building long after the job closes. Texas, for comparison, conditions the electrical-contractor license itself on this policy ($300,000 per occurrence, $600,000 aggregate). An electrician's biggest exposure survives the job: a latent wiring fault can damage the customer's building after the crew leaves.
Sources: Texas Department of Insurance — Commercial general liability insurance (retrieved 2026-06-06) · Texas Department of Licensing and Regulation — Electrical Contractor License requirements (retrieved 2026-06-06)
What it costs — benchmark in progress
The same treatment our workers’-comp benchmarks already get: real filed-rate and quote data for general liability, by state and business size, fully sourced and dated. As quote data accumulates, this page becomes the general liability benchmark for electrical contractors — same URL, real numbers.
Until then, see what electrical contractors need state by state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · all states →
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