Texas Electrician
Insurance — Fast COI

General liability and workers’ comp for licensed electricians in Texas. Quote and bind online. Get your certificate the same day.

Licensed Electricians Same-Day COI A-Rated Carriers $1M / $2M Limits Monthly Payments
Get My Quote Online Per-Job Quote (Thimble) Talk to a Specialist

Annual policy: NEXT Insurance  ·  Per-job / short-term: Thimble  ·  Boerne / San Antonio: 210-640-7050 • Boerne / San Antonio: 210-640-7050

What Coverage Does an Electrician Need?

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General Liability

Covers bodily injury and property damage to third parties — a client, GC, or member of the public — caused by your work or operations. Required on virtually every job.

✅

Completed Operations

Protects you after the job is done. If wiring you installed causes a fire six months later, completed operations coverage responds.

👷

Workers’ Comp

Required when you have employees. Covers medical bills and lost wages for workers injured on the job. Most GCs require it on their site.

📋

Additional Insureds

GCs and property owners will require you to add them to your policy. We handle the endorsements so your COI is accepted the first time.

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Waiver of Subrogation

Required on most Texas commercial and government contracts. Standard GL policies don’t include it automatically — we add it correctly.

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Commercial Auto

Your personal auto policy won’t cover accidents in a vehicle used for work. If you drive to job sites, you need commercial auto coverage.

Electrician-Specific Risk: Completed Operations

Electrical work carries higher completed-operations exposure than most trades. A wiring error can cause fire, shock, or equipment damage long after you’ve left the job. Make sure your GL policy includes adequate completed operations limits — not all online policies are equal here. Our specialists review this for every electrician client.

What Does Electrician Insurance Cost in Texas?

Typical annual premiums for a licensed electrician in Texas with no prior claims:

GL Only — Solo
$900–$1,600
per year
GL — Small Crew
$1,500–$2,800
per year
Workers’ Comp
$3–$6
per $100 payroll
GL + WC Bundle
Ask specialist
best rates combined

Commercial projects, prior claims, or specialty work (high-voltage, solar, data centers) may affect pricing. Monthly payment options available on most policies.

Rates rising in 2025? See what the data shows: 2025 Contractor Insurance Cost Report

Who This Is For

Residential Electricians

New construction, rewires, panel upgrades, EV charger installs. Fast online binding for solo operators and small crews.

Commercial Electricians

Office builds, retail, industrial. GC contract requirements often include higher limits and specific endorsements — our specialists handle that.

Solar Installers

Electrical work on solar projects has unique completed-operations exposure. We place coverage with carriers that understand the trade.

Low Voltage / Data

Cat6, security, AV, access control. Coverage available for low-voltage trades — some carriers exclude it, we know which don’t.

How It Works

1

Answer Questions

Trade type, payroll, prior claims. Takes 5 minutes online for simple situations.

2

Get Your Quote

Instant pricing from A-rated carriers. No phone call required for standard jobs.

3

Bind & Get COI

Pay online, download your certificate the same day. Job-ready fast.

Commercial contracts, subs, prior claims, or specific wording needs? Use the specialist path — we review your contract and get the COI right the first time.

Common Questions

Do I need to be a licensed electrician to get this insurance?
You don’t need a license to buy insurance, but most carriers want to know your trade classification. In Texas, electrical contractors should hold an appropriate license from TDLR. Some carriers offer better rates to licensed electricians with a clean record.
What limits do I need as an electrician?
Most GCs and commercial projects require $1M per occurrence / $2M aggregate for general liability. Some larger projects or government work may require higher limits. Our specialists review contract requirements to make sure your limits match what’s needed.
Can I get covered today for a job starting tomorrow?
Yes — for most standard residential or light commercial electricians with no prior claims. You can bind online and download your COI within minutes. If the job has complex wording requirements, call us and we’ll expedite same-day.
Does GL cover damage caused by my electrical work?
Yes — GL covers property damage to third parties caused by your work, including completed operations. However, it doesn’t cover damage to the work itself (that’s a builder’s risk or inland marine policy). It also won’t cover faulty workmanship that needs to be redone — only resulting damage to other property.
I use subcontractors — does my policy cover them?
Standard GL policies often exclude subcontractor work or require subs to carry their own insurance. If you use subs regularly, let our specialists know — we’ll make sure your policy covers that exposure and that you’re getting the right endorsements.

Ready to Get Your COI?

Quote online in minutes or talk to a Texas specialist for complex situations.

Boerne / San Antonio: 210-640-7050 • Specializing in TX contractor GL & WC since 2010