Source: Carrier website and product data
Hiscox: Electrical Contractors Insurance Appetite
Hiscox can write electrical contractors accounts but this is not a focus segment — best used when the account has other lines already placed with Hiscox or when primary markets have declined. 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 |
Premium Range
$7,500-$36,000
Typical annual premium
Target States
All 50 states
Key Features
- Workers Compensation Insurance program — Protection for employees who are injured or become ill on the job, covering medi for electrical contractors class codes
- Hiscox provides broad completed operations covering fire claims from wiring errors discovered years later
- Hiscox provides competitive rates for licensed master electricians with clean loss history
- Online quoting available — agents can get electrical contractors quotes without calling underwriting
Limitations
- Electrical Contractors is not a target class for Hiscox — expect longer underwriting timelines and less flexible eligibility
- High-voltage line work (above 440V) is typically excluded from standard contractor programs
- Solar panel installation may require separate endorsement or specialty program
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