Electrical work is high-skill and high-risk. A wiring mistake, an accidental fire, or an injury on a job site can turn into a serious claim fast — which is exactly why general contractors and clients ask electricians for proof of insurance before work begins.
General liability is the foundation, covering third-party bodily injury and property damage. Most GCs require at least $1 million per occurrence and $2 million aggregate, and many won't let you on site without it.
If you have employees or apprentices, California requires workers' compensation. It pays medical bills and lost wages when someone on your crew is hurt, and it shields your shop from a much larger lawsuit.
Don't overlook tools and equipment coverage — meters, benders, drills, and diagnostic gear add up quickly, and theft from a van or job site is common. Inland marine coverage follows your equipment wherever it travels.
An independent agent who understands your trade can package general liability, workers' comp, commercial auto, and tools coverage so your limits match what clients actually require. Request a quote and get set up right.
