Source: Carrier website and product data
Insureon: Electrical Contractors Insurance Appetite
Insureon explicitly targets construction as a focus segment. As a marketplace, Insureon can access multiple carrier panels — helpful when the electrical contractors account has unusual exposures that standard markets decline. 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
All 50 states + DC
Key Features
- Workers’ Compensation Insurance program — Covers employee medical bills and lost wages for work-related injuries and illne for electrical contractors class codes
- Insureon offers broad completed operations covering fire claims from wiring errors discovered years later
- Insureon offers competitive rates for licensed master electricians with clean loss history
- Insureon offers inland marine covering specialized testing equipment and tools
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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