Source: Carrier website and product data
Chubb: Electrical Contractors Insurance Appetite
Chubb writes electrical contractors at standard terms for clean accounts. Chubb's underwriting targets well-established electrical contractors businesses with strong financials and clean loss history. Premium reflects broader coverage and higher carrier financial strength. 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 |
Premium Range
$7,000-$45,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Electrical Contractors class is accepted with standard pricing
- Chubb provides broad completed operations covering fire claims from wiring errors discovered years later
- Chubb provides competitive rates for licensed master electricians with clean loss history
- Online quoting available — agents can get electrical contractors quotes without calling underwriting
Limitations
- No commercial auto available — must be placed separately for electrical contractors accounts with vehicles
- No workers' compensation available — agents need a separate WC carrier for electrical contractors employees
- High-voltage line work (above 440V) is typically excluded from standard contractor programs
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