General liability for electricians
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
If someone's hurt or their property's damaged by your work — even wiring that fails 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 →
Stay informed
Coverage rules change.
We’ll send the updates that affect your business.