Selective Insurance: Electrical Contractors Insurance Appetite

Selective Insurance explicitly targets contractors 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

Premium Range

$5,800-$36,000

Typical annual premium

Target States

25 states (Northeast, Mid-Atlantic, Southeast, Midwest)

Key Features

Workers Compensation Insurance program – Protects employees and the business in case of workplace injury, covering medica for electrical contractors class codes
Selective Insurance offers broad completed operations covering fire claims from wiring errors discovered years later
Selective Insurance offers competitive rates for licensed master electricians with clean loss history
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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