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Completed operations — the line that decides your claims

Electrician insurance,
in plain English

Licensed sparkies carry real liability. Get covered for the faults you didn't cause and the ones you'll be blamed for anyway.

Tell us about your work See what's covered

Two minutes, and a licensed agent follows up once we can place coverage in your state.

How we get you covered

The things that actually go wrong on electrician jobs, and the coverage that answers for each one.

A panel you serviced starts a fire months later
General liability — completed operations
A client touches a live circuit you left exposed
General liability
Your meter and testers are stolen
Tools & equipment
An apprentice is injured on the job
Workers' comp

Covered vs. not covered — before you pay

General liability — ElectricianExclusions up front
Covered
  • Fire and property damage traced to your work
  • Third-party injuries on the job
  • Faults surfacing after the job closes
Not covered — read this first
  • Unlicensed work or code violations you knew about
  • Your own instruments (tools & equipment)
  • Your crew's injuries (workers' comp)

The coverages electricians usually stack

Commercial General Liability (CGL), ISO form CG 00 01
General liability — If your work damages someone's stuff or hurts someone who isn't your employee, this pays. It's the policy every client COI request is really asking about.
Inland marine / contractor's equipment floater
Tools & equipment — Covers your own gear — stolen from the van, dropped off a ladder, fried on site. General liability never pays for your own stuff; this does.
Workers' comp / statutory coverage, NCCI class-rated
Workers' compensation — Pays medical bills and lost wages when your employee is hurt working. Required by law in most states once you hire — construction rules are strictest.
Business auto coverage, symbol 1 ('any auto') the broadest
Commercial auto — Your personal auto policy can deny claims that happen while working. If the van carries ladders and invoices, it needs a commercial policy.

What drives your price

We don't publish a "from $X a month" number, because for electricians it would be close to meaningless — the same work prices very differently depending on classification, payroll, claims history, and state. Get a real quote instead; it takes about two minutes and no one calls you.

Tell us about your work

State rules for electricians

Licensing and minimum limits differ by state. Pick yours:

Florida

Why electricians switch to Flannable

Exclusions before checkout

Others reveal the fine print at checkout — or add it after you buy. Ours is on this page, above.

Renewals get re-shopped

If your renewal jumps, we re-shop it across carriers automatically and show you the math — we're an independent agency, not a captive one.

COIs that stay alive

Self-serve certificates, and renewal certs re-sent to every holder before they expire — so an expired COI never costs you a job. That's what we're building first.

Frequently asked questions

Is insurance required to get an electrical license?

In most states, yes — proof of general liability (often $300K–$1M) is part of contractor licensing, and Florida county licenses commonly require it.

Why is electrician insurance pricier than handyman insurance?

Risk class. A bad outlet can burn a building down years after the invoice was paid. Completed-operations exposure is priced in.

Does it cover work my apprentice does?

Liability generally follows the business, so yes for third-party damage — but your apprentice's own injuries need workers' compensation.

Coverage for electricians, without the decoder ring → Tell us about your work