Electrician insurance in Spokane
Low claim frequency, high claim severity. Electrical work rarely goes wrong, and when it does the fire that follows is somebody else’s building.
Completed operations is the coverage that matters
An electrician’s worst claim usually arrives long after the invoice was paid. A fire investigator traces a structure fire back to a junction box you installed three years ago, and the building owner’s carrier subrogates against you. That is a completed-operations claim, and it is why letting a policy lapse between jobs is dangerous — coverage needs to have been in force, and the completed-operations extension needs to be intact.
Licensing is separate from insurance
Washington licenses electrical contractors and certifies individual electricians through L&I’s electrical programme, which is distinct from contractor registration. You need the electrical contractor licence, the bond, and general liability — and carriers will ask for your licence number and whether any administrator changes have occurred. Keep them current; a lapse complicates both renewal and claims.
Tools, and the van they live in
Commercial auto covers the van. It does not cover the $25,000 of meters, benders and cordless tooling inside it when it is broken into overnight outside a Spokane job site. That is a contractor’s equipment floater, it costs very little, and it is the single most commonly missing coverage we find when we review an existing electrician’s policy.
Biggest exposures for electricians
- Fire traced back to your work, sometimes years later
- Electrocution and arc-flash injury to crew
- Damage to equipment and data from a wiring fault
- Completed-operations claims long after the job closed
Pre-filled for your trade. Two minutes.
Coverage
What electricians usually carry
General Liability
The baseline policy.
Read moreWorkers' Compensation
Required in Washington for nearly every employer.
Read moreCommercial Auto
Coverage for the vehicles your business owns, leases, rents or asks employees to drive.
Read moreCommercial Umbrella
Extra liability limits that sit above your general liability, auto and employer liability policies.
Read moreQuestions
Electricians insurance FAQs
General liability with completed operations, workers’ compensation through L&I if you have employees, commercial auto for the vans, and a contractor’s equipment floater for tools. Electrical contractor licensing and a surety bond are separate state requirements that sit alongside the insurance.
Generally yes, through the products and completed-operations part of the policy, subject to your limits. This is the reason to carry adequate limits and an umbrella — a structure fire can exhaust $1M quickly once the building, contents and any injuries are counted.
If you have no employees you may not, but sole proprietors are excluded by default rather than covered, so an injury to you is your own problem unless you elect coverage or carry separate disability. Worth deciding deliberately rather than by accident.
Other trades
We write these too
General Contractors
Registration, a bond, liability and workers’ comp — general contractors carry more moving parts than any trade we write, and the most contract-driven requirements.
Read moreRoofers
The hardest trade in construction to insure, and the one where carrier appetite narrows fastest.
Read morePlumbers
Every job you touch carries water, and water finds its way into places that cost far more to repair than the work you were paid for.
Read moreHVAC Contractors
Gas, refrigerant, electrical and roof access in one trade — and a service calendar where the busiest weeks are also the ones with the least margin for error.
Read moreStart with your trade. We will take it from there.
Tell us what the business does and we will pre-select the coverage it normally needs, then compare carriers for you. About two minutes, no obligation.
Prefer to talk it through? Call (509) 944-0847.