Electrical shop coverage guide
General liability for electricians
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.
Coverage
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)
By state
General liability by state
What electrical contractors need varies by state. See the full guide for electrical contractors in your state: Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · all states →