Operations this guide may include
- Residential and commercial electrical service
- New construction, renovation, and tenant improvements
- Low-voltage, controls, generator, and lighting work
- Industrial, solar, and specialty electrical installations
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What percentage of work is service, new construction, industrial, or specialty work?
- What voltage levels, project sizes, heights, or energized work are involved?
- Are design, engineering, solar, alarm, or utility services performed?
- How are lockout, testing, permits, subcontractors, and customer signoff controlled?
Coverage topics to discuss
General liability
Installation, premises, and completed-work exposures arising from electrical operations.
Contractor equipment
Tools, testing devices, lifts, and mobile property used at jobsites.
Commercial auto
Service vans, trucks, trailers, and driver exposures.
Professional liability
A coverage discussion when design, specification, programming, or engineering services are provided.
Information worth preparing
- Work-type, voltage, customer, and project breakdown
- Licenses, employee experience, and safety procedures
- Payroll, subcontractor cost, vehicle, and equipment schedules
- Largest projects, sample contracts, and loss runs
This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.