NeedBizInsurance
Coverage by Profession · United States · 2026

General Liability for electricians

General Liability is typically required for electricians. Required by most states for licensed electrical contractors and by many general contractors before you can bid work.

Requirement
Required
Average cost
$450.00–$900.00/yr
Business risk
very-high
01

How general liability applies

Required by most states for licensed electrical contractors and by many general contractors before you can bid work.

02

What affects the price

Number of electricians on crew
Residential vs. commercial work
Revenue size
Claims history
03

Best carriers for general liability for electricians

Embroker
AM Best: A
direct
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Hiscox
AM Best: A
direct
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NEXT Insurance
AM Best: A-
direct
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Simply Business
AM Best: A
direct
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Thimble
AM Best: A
direct
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04

General Liability for Electricians — FAQ

Do electricians need general liability?+

Yes. General Liability is typically required for electricians by law, license, contract, or client requirement.

What does general liability cover for electricians?+

General Liability helps protect a electrician business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can electricians buy general liability online?+

Yes. Many carriers quote general liability online for electricians, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

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