⚡ Electricians Insurance

Insurance for
licensed
electricians.

Electrical work carries unique risks — fire, shock, property damage. We build coverage packages for electrical contractors that meet California licensing requirements and protect your business.

✓ General Liability✓ Workers Comp✓ C-10 License Bond✓ Tools & Equipment
Carriers We Work With
HartfordTravelersICW GroupEmployersMarkel+ 15 more
✦ Free & No Obligation

Get Your Electricians Quote

Fast quotes · Licensed agents · Real savings

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Why CoverGuard
Why electricians choose CoverGuard
We understand electrical contractor requirements — from C-10 licensing to high-risk job sites.
⚡

Electrical work is high-risk. Your insurance should match.

One wiring fire, one shocked worker, one damaged panel — the exposure is real. We make sure your GL, workers comp, and tools coverage are all in sync so no claim falls through the cracks.

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$2M
Recommended GL limit for electrical work
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Same-Day Response

Every quote request gets a personal response within 1 business hour from a licensed California agent.

C-10
CA Electrical Contractor License Class
🏆

20+ Carriers

We compare 20+ top carriers to find you the right coverage at the best rate — not what pays us the most commission.

Coverage Options
What you need.
What we provide.
Coverage built specifically for electricians — not a generic business policy that misses your exposures.
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General Liability
Covers damage or injury caused by your electrical work — including fire damage.
  • Property damage from wiring
  • Fire damage liability
  • Third-party bodily injury
  • Completed operations
Core
👷
Workers Compensation
Required by CA law. Electrical workers face real injury risk.
  • Electrical shock injuries
  • Falls & burns
  • Medical & lost wages
  • CA compliance
Required
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Tools & Equipment
Covers your meters, conduit benders, and diagnostic equipment.
  • Hand & power tools
  • Test equipment
  • Job-site theft
  • In-transit coverage
Recommended
📋
C-10 License Bond
Required by CSLB for C-10 Electrical Contractor license.
  • CSLB requirement
  • $15,000 minimum
  • Fast issuance
  • Renewal reminders
Required by CSLB
🚐
Commercial Auto
Covers your work vans and trucks loaded with electrical supplies.
  • Work vans & trucks
  • Tools in transit
  • Hired & non-owned
  • Multiple vehicles
Recommended
🏢
Umbrella / Excess Liability
Extra liability protection above your GL policy limits.
  • $1M–$5M additional coverage
  • Catastrophic claim protection
  • Covers GL + auto
  • Low-cost upgrade
Strongly Advised
Common Questions
Everything you need
to know.
What is a C-10 bond and do I need one?+
Yes — the California State License Board requires all C-10 Electrical Contractors to carry a $15,000 contractor license bond. We can issue this quickly and remind you at renewal.
Does my GL cover fire damage I cause?+
Yes — a properly written GL policy covers property damage caused by your work, including fire. Make sure you have completed operations coverage included.
What if I hire apprentices or helpers?+
Any person you pay for work is considered an employee in California. Workers comp is required as soon as you have one employee — including part-time.
How much does electrician insurance cost in CA?+
Most licensed electricians pay $1,800–$4,000/year for a GL + tools package. Workers comp is separate and priced on payroll.

Get electrician-specific coverage today.

Quick quotes. Fast certificates. Real protection.

Get a Free Quote → 📞 (562) 758-1200
⚡ Get My Electricians Quote