Source: Carrier website and product data
Coterie Insurance: Electrical Contractors Insurance Appetite
Coterie Insurance explicitly targets artisan / trade contractors (max 15 employees, max $5m revenue) as a focus segment. Fully digital quoting and binding process – Coterie Insurance's platform is designed for fast turnaround on small electrical contractors accounts. 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
$5,000-$30,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Electrical Contractors class is a target class with competitive pricing
- Coterie Insurance offers broad completed operations covering fire claims from wiring errors discovered years later
- 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
Compare Other Carriers for Electrical Contractors
$5,000-$30,000
$5,800-$36,000
$5,800-$36,000
$7,500-$36,000
$5,000-$30,000
$5,800-$36,000
$2,000-$9,000
$5,000-$30,000
$5,000-$30,000
$5,000-$30,000
$5,000-$30,000
$6,500-$30,000
$2,000-$9,000
$7,500-$36,000
$5,800-$36,000
$7,000-$45,000
$5,800-$36,000
$5,800-$36,000
$5,000-$30,000
$5,000-$30,000
$5,800-$36,000
$5,800-$36,000
$5,800-$36,000
$5,000-$30,000