Electrical contractor insurance that keeps work moving
Keep projects energized. We'll help protect the rest. From jobsite hazards and vehicle accidents to data risks, one incident can disrupt work and cash flow. Our small business team helps you align coverage with how you bid, schedule and complete installs and service calls.
What We Cover
At Gallagher, we know the challenges you encounter as an electrical contractor. Our small business insurance advisors work with you to create a program that fits your needs. Learn more about coverage options below:
- Business owner's policy (BOP): Core protection for your office/shop, equipment, and income if you can't operate after a covered loss.
- Commercial auto: For company trucks and vans transporting electrical materials or crew; helps cover certain damages and third‑party injuries.
- Cyber: Helps with breach response costs if client or project data is compromised, including notifications and credit monitoring.;
- Contractors professional liability: If a design/installation error leads to covered damage or system failure, this can help with related claims.
- Umbrella / excess liability: Extra protection when a major claim exceeds your primary limits.
- Workers' compensation: Medical care and wage replacement for covered jobsite injuries, from shocks to ladder falls.
Optional add‑ons contractors often request (availability varies by insurer/state):
- Tools & equipment (inland marine) — mobile equipment and tools on jobsites and in transit.
- Installation floater — materials and equipment from purchase through installation.
- License & permit bonds — where required by jurisdiction or utility.
Why electrical contractors choose Gallagher
Choice: We offer more value from broader market access: Backed by Arthur J. Gallagher, we leverage deep carrier relationships to match you with the right coverage at the right price.
Electrical know‑how: Our licensed small business team understands the intricacies of electrical work — service upgrades, new construction, and TI — and tailors solutions to fit.
Claims advocacy: If something happens, we help you communicate with your carrier and move claims forward — fast.
Support that fits your pace: Use our self‑service portal 24/7, or speak with an advisor whenever you need help.
How we work with you
Electrical contractors face risks whenever they take on a new job. Whether you're doing routine inspections, installing new wiring, or upgrading systems, unexpected problems can arise that may threaten your business. Our risk specialists work closely with electrical contractors to understand the specific challenges you encounter.
Our team of licensed insurance experts is here to make your experience straightforward and stress-free. To help you get the right coverage we:
- Listen: How you scope and staff work (employees vs. subs), licensing, vehicles and safety practices.
- Gather: We collect what's needed (applications and basics) so you don't have to repeat yourself.
- Negotiate: We go to market for comprehensive, electrical‑specific coverage.
- Review: We walk you through a clear proposal — line by line.
- Secure: We bind coverage so your business stays protected.
Ready to protect Your electrical contractor business?
Get electrical contractors insurance tailored to your needs.