Nationwide: Electrical Contractors Insurance Appetite

Nationwide can write electrical contractors accounts but this is not a focus segment – best used when the account has other lines already placed with Nationwide 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
Inland Marine

Premium Range

$7,500-$36,000

Typical annual premium

Target States

All 50 states + DC

Key Features

Workers' compensation program – Provides benefits to employees for work-related injuries or illnesses, including for electrical contractors class codes
Nationwide provides broad completed operations covering fire claims from wiring errors discovered years later
Nationwide provides competitive rates for licensed master electricians with clean loss history
Nationwide provides inland marine covering specialized testing equipment and tools
Online quoting available – agents can get electrical contractors quotes without calling underwriting

Limitations

Electrical Contractors is not a target class for Nationwide – 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

Compare Other Carriers for Electrical Contractors

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