Source: Carrier website and product data
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
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$5,800-$36,000
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