The Hartford: Electrical Contractors Insurance Appetite

The Hartford explicitly targets contractors & construction (includes hvac, plumbing, roofers, carpenters) 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

48 states + DC (excludes AK, HI)

Key Features

Workers’ Compensation Insurance program – Helps compensate employees for work-related injuries or illnesses, covering medi for electrical contractors class codes
The Hartford offers broad completed operations covering fire claims from wiring errors discovered years later
The Hartford 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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