Source: Carrier website and product data
Kinsale Capital: Electrical Contractors Insurance Appetite
Kinsale Capital writes electrical contractors at standard terms for clean 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 |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$5,800-$36,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Electrical Contractors class is accepted with standard pricing
- Kinsale Capital provides broad completed operations covering fire claims from wiring errors discovered years later
- Kinsale Capital provides competitive rates for licensed master electricians with clean loss history
- Online quoting available — agents can get electrical contractors quotes without calling underwriting
Limitations
- 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
- Solar panel installation may require separate endorsement or specialty program
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