General Liability Insurance is foundational—it covers:
- Third-party bodily injury or property damage from work on-site.
- Legal defense if a client claims an accident occurred due to your service.
Most electrician licensing boards and commercial contracts require proof of general liability insurance. Having this in place is a smart first step for protecting your business from common claims. Other types of insurance include:
- Professional Liability (E&O) – steps in if your work causes a financial loss, like faulty wiring leading to equipment failure.
- Workers’ Compensation – required in most states for any business with employees; covers jobsite injuries like shocks, burns, or falls.
- Commercial Auto – protects vehicles used for transporting tools and materials.
- Tools & Equipment (Inland Marine) – covers theft or damage to your gear while in transit or on-site.
