Source: Carrier website and product data
EMPLOYERS: Electrical Contractors Insurance Appetite
EMPLOYERS explicitly targets electricians 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 |
|---|
| Workers' Compensation |
Premium Range
$2,000-$9,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Workers' Compensation Insurance program — Workers' compensation insurance tailored for small businesses in low-to-medium h for electrical contractors class codes
- EMPLOYERS offers broad completed operations covering fire claims from wiring errors discovered years later
- EMPLOYERS offers 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
- High-voltage line work (above 440V) is typically excluded from standard contractor programs
- Solar panel installation may require separate endorsement or specialty program
Compare Other Carriers for Electrical Contractors
$5,000-$30,000
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$5,800-$36,000
$5,000-$30,000
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