Electrical Contractor Insurance

Coverage for your crew, tools, vehicles and jobsites

Gallagher's Small Business advisors are backed by nearly a century of experience, and we work with thousands of electrical contractors just like you. We're here to understand your insurance needs, guide you through the options and deliver straightforward solutions — so you can make confident decisions for your business. Connect with one of our expert advisors to find the policy that fits everything you need without the extras you don't. Explore coverage choices.

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Coverage Built for Electrical Contractors

Get the protection you need — tools, vehicles, liability, employees — delivered with clear guidance, so you can move forward confidently

Business Owners Policy (BOP)

A bundled, cost‑effective package combining general liability, commercial property, and business interruption coverage — helping keep your shop running, your tools protected and your income flowing after a fire, theft, storm event or other unexpected disruption.

Workers' Compensation

Covers medical care and provides wage replacement if an employee is injured on the job — whether from an electrical shock, a fall from a ladder or another workplace accident — helping your team recover and your business stay compliant.

Commercial Auto Insurance

Covers damage to your work vehicles and provides liability protection if an accident occurs while transporting materials, tools, or crew members — keeping your business moving even when the unexpected happens on the road.

Tools and Equipment

Protects the tools and mobile equipment that power your business — wherever the work takes you. Coverage can include hand tools and power tools (owned or borrowed); high‑value scheduled equipment like generators, bender and testers; rented or leased gear you're responsible for; materials and equipment in transit or awaiting installation. If your tools are stolen from a truck, damaged on a jobsite, or lost after a job‑site incident, this coverage helps repair or replace them quickly so downtime doesn't cost you the job.

Contractor's Professional Liability

Protects your business if a design, installation or wiring error leads to a system failure or property damage — covering costs tied to claims of negligence, mistakes or professional oversight so you can resolve issues without derailing your business.

Umbrella and Excess Liability

Adds an extra layer of protection when a major accident or claim exceeds your underlying policy limits — providing financial back‑up for high‑severity events, jobsite injuries or lawsuits that could otherwise threaten your business.

Complete the form to learn more about Electrical Contractor insurance and get a quote specifically tailored to your business needs.

By engaging with our team of professionals, you will receive expert guidance in selecting the appropriate coverage to address the specific nature of your business operations as well as your geographical location and the way you manage your company.

We're committed to ensuring that you have comprehensive protection, allowing you to focus on running your business with confidence and peace of mind. Whether you are a small local contractor or a large-scale operation, our insurance solutions are designed to safeguard your interests and support your growth.

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