Source: Carrier website and product data
Erie Insurance: Electrical Contractors Insurance Appetite
Erie 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
12 states: DC, IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI
Key Features
- Workers' Compensation program — Provides coverage for medical care and lost wages for employees injured on the j for electrical contractors class codes
- Erie Insurance offers broad completed operations covering fire claims from wiring errors discovered years later
- Erie Insurance offers competitive rates for licensed master electricians with clean loss history
- Erie Insurance offers inland marine covering specialized testing equipment and tools
- Online quoting available — agents can get electrical contractors quotes without calling underwriting
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
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$5,800-$36,000
$5,000-$30,000
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