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

Compare Other Carriers for Electrical Contractors

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