Liberty Mutual: Electrical Contractors Insurance Appetite

Liberty Mutual explicitly targets construction (includes small projects to large complex programs.) 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

$5,800-$36,000

Typical annual premium

Target States

All 50 states + DC

Key Features

Workers compensation program – Helps businesses improve safety, protect employees, and control workers' compens for electrical contractors class codes
Liberty Mutual offers broad completed operations covering fire claims from wiring errors discovered years later
Liberty Mutual offers competitive rates for licensed master electricians with clean loss history
Liberty Mutual 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

Compare Other Carriers for Electrical Contractors

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