Source: Carrier website and product data
Auto-Owners Insurance: Electrical Contractors Insurance Appetite
Auto-Owners Insurance explicitly targets contractors as a focus segment. Fire from electrical work is the top completed operations risk — carriers scrutinize 5-year loss history carefully
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
| Inland Marine |
Premium Range
$5,000-$30,000
Typical annual premium
Target States
26 states (Midwest, Southeast, Mid-Atlantic)
Key Features
- Contractor Insurance program — Specialized coverages and custom policies to fit the unique needs of every contr for electrical contractors class codes
- Workers' comp for 5-30 employees with experience mod-based pricing
- Auto-Owners Insurance offers broad completed operations covering fire claims from wiring errors discovered years later
- Auto-Owners Insurance offers competitive rates for licensed master electricians with clean loss history
Limitations
- High-voltage line work (above 440V) is typically excluded from standard contractor programs
- Solar panel installation may require separate endorsement or specialty program
- Fire alarm and security system installation work may be classified differently and surcharged
Compare Other Carriers for Electrical Contractors
$5,000-$30,000
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$5,800-$36,000
$5,800-$36,000
$5,000-$30,000
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