Electrician Insurance in California

✆ Call An Agent Now ➜

9:00am - 6:00pm Mon-Fri

Request an Assessment

We'll Reply in 15min*

To work on electrical projects worth $500 or more in California, both residential and commercial electricians need a C-10 license. The state defines a C-10 as anyone who is “engaged in the business of installing, altering, extending, connecting, or repairing electrical systems.” Licensing requirements vary by county, but they typically include completing an approved apprenticeship program and passing an exam.


In addition to licensing requirements, electricians should insure their businesses to protect themselves, the public, their employees, and their customers. Coverage typically includes general liability insurance, which covers damages due to property damage or personal injury caused by the electrician’s negligence. It also covers defense costs if a customer files a lawsuit against the business.


We Are a Trusted Insurance Agency for Electricians in California


The average cost of general liability insurance for electricians in California ranges from $500 to $5000 per year. The exact cost depends on factors such as the size of the business, the type of projects they take on, and any discounts they may qualify for. When bundled with other business insurance, pricing can be lower.


At Western Insurance Marketing Corporation, we understand the unique needs of electricians and offer customized coverage that meets our customers’ needs. Our experienced agents are knowledgeable about the laws and regulations in California, so they can help you find a policy that fits your budget and protects your business from any risks. Contact us today to learn more about how we can help you find the right insurance solution for your business.



We look forward to serving you!

Who Needs Electrical Contractors Insurance in California?



Different groups in California may need to consider purchasing electrical contractors' insurance. These include:


  • Residential Electricians
  • Commercial Electricians
  • Journeyman Electricians
  • Electrical Contractors
  • Electrical Apprentices
  • Lighting Installers
  • Security System Installers
  • Data/Communications Installers
  • Solar Installers
  • Co-Generation Installers
  • Fire Alarm System Installers
  • HVAC Electricians
  • Industrial Electricians
  • Automotive Electricians
  • Electrical Inspectors and Consultants


Each of these electricians may require different types and amounts of electrical contractors' insurance, so it is important to speak with an experienced agent who understands the specific needs of each industry.

General Liability Insurance for California Electrical Contractors


General Liability insurance is a cornerstone of any smart business plan, and this is especially true for California Electrical Contractors. With the nature of their work, Electrical Contractors face a range of unique risks and hazards, from on-site accidents to property damage and beyond. Fortunately, with the right insurance coverage, these contractors can operate confidently and securely, knowing that their business is protected against a range of potential liability issues.

These include:


  • Bodily Injury & Property Damage Liability
  • Personal & Advertising Injury Liability
  • Medical Payments Coverage
  • Products & Completed Operations Liability
  • Contractual Liability


Whether it's protecting against property damage or bodily injury, General Liability insurance is a critical investment that can help California Electrical Contractors operate with peace of mind.

Professional Liability Insurance for California Electrical Contractors


Professional Liability insurance, also known as Errors & Omissions (E&O) coverage will protect your business from financial losses due to negligence or mistakes while performing services. It will help cover the costs of any legal actions and related expenses that may arise due to a mistake on your part. Professional Liability insurance is designed to protect California Electrical Contractors in the event that a client feels their service was below standard and suffers financial losses as a result.

Workers' Compensation Insurance


California Electrical Contractors must also consider purchasing Workers’ Compensation insurance to protect their business from the costs associated with employee injury or illness on the job. In addition to covering any medical expenses, this type of insurance can also provide wage replacement and death benefits if necessary. This coverage is especially important for Electrical Contractors, as the nature of their work puts them at a greater risk of injury or illness.


California law requires all employers to purchase Workers’ Compensation insurance, with the exception of sole proprietors and independent contractors who do not have employees.

Tools and Equipment Insurance


As an electrical contractor in California, your tools and equipment are essential to your success.



It's not just about the cost of replacing them, but the downtime you face if they are stolen or damaged. That's why having tools and equipment insurance is vital. It can help protect you financially from unexpected events. Insurance can cover the replacement cost of your tools and equipment, as well as provide liability protection if you damage someone else's property while on a job site.

Commercial Auto Insurance


As an Electrical Contractor in California, you may rely on a vehicle to transport your tools and equipment to job sites. If this is the case, then you need Commercial Auto Insurance coverage. This type of insurance can help protect you financially if you cause property damage or bodily injury while operating a vehicle for business purposes. It can also cover the costs associated with an auto accident caused by another driver.


California's minimum requirements for Commercial Auto Insurance include $15,000 of Bodily Injury Liability insurance per person and $30,000 of Bodily Injury Liability coverage per accident.

Employee Practices Liability Insurance


Employee Practices Liability Insurance, also known as Employment Practices Liability Insurance (EPLI), is an important type of coverage for California Electrical Contractors. This insurance can help protect employers against legal action taken by employees or former employees regarding workplace discrimination, sexual harassment, wrongful termination, wage and hour issues and more.



Having this coverage in place can help protect your business and personal assets from costly legal fees should a claim arise. While you may never have to use it, having Employee Practices Liability Insurance is an important part of protecting your business.

Cyber Security and Data Breach Insurance


Data breaches are becoming increasingly common in today's world, and it is important for Electrical Contractors to be aware of the cyber security risks they face. Cyber Security and Data Breach Insurance can help cover the costs associated with recovering from a data breach, such as legal fees, credit monitoring services for affected individuals, notification costs and more.


This type of insurance can also provide coverage for other cyber-related risks, such as extortion and ransomware. Investing in cyber insurance can help protect your business from financial losses associated with a data breach or other cyber security incident.

Common Exclusions


Every insurance policy has exclusions, and it is important to be aware of what they are. Common exclusions in Electrical Contractors' policies include property damage caused by faulty workmanship, liability claims resulting from pollution or contamination, and liability claims arising out of contract disputes.



However, some of these exclusions can be covered with an endorsement or a separate policy, such as Professional Liability Insurance. You may also be able to purchase additional coverage for other common exclusions.

How Much Coverage Do I Need?


The unique aspect of every Electrical Contractor's business means that the insurance coverage you need should be tailored to your specific needs. There are several factors to consider when determining how much coverage you need, including:


  • The size and scope of your business – For example, you may need more coverage if you have many employees or subcontractors.
  • The types of jobs you do – If you work in hazardous environments, you may need higher liability limits.
  • Your business assets and equipment – The value of your tools and equipment should be considered when determining how much coverage to buy.
  • Your location – Different locations may have different insurance requirements.
  • Your legal risk – You should consider the potential for legal action when determining your coverage needs.


By considering these factors and discussing them with an agent, you can be sure that you are getting the right amount of coverage for your business.

Ways to Save on Your California Electrical Contractors Insurance


  • Shop Around – Comparing quotes from different insurers can help you find a policy that meets your needs at a price you can afford.
  • Consider Risk Management – Taking steps to minimize risk, such as implementing safety protocols, may help lower your premiums.
  • Buy a Bundle – Bundling different policies from the same insurer can help you save money on your coverage overall.
  • Pay Your Premiums Upfront – Paying for your annual premiums in one lump sum can save you money in the long run.
  • Increase Your Deductible – Increasing your deductible may result in a lower premium, but make sure you can afford to cover any out-of-pocket costs if a claim arises.
  • Review Your Policy Annually – It’s important to review your policy every year to make sure it still meets your needs.
  • Take Advantage of Discounts – Many insurers offer discounts for memberships in professional organizations, and some may provide discounts based on the age or experience of the contractor.

Get The Best Rates on California Electrical Contractors' Insurance


With Western Insurance, you can get the best rates on California Electrical Contractors' Insurance. Our experienced agents are experts in helping Electrical Contractors find the right coverage for their business at an affordable price. We provide a range of coverage options, including property and liability insurance, workers’ compensation, professional liability insurance and more.



Call us today to learn more about our coverage options and get a free quote. We look forward to helping you find the perfect policy for your business needs!

REQUEST A QUOTE

Speak with a CA Electrician Insurance specialist today!

Get started today!

Prefer to speak with an agent now?

Contact Us

Share by: