General liability
Completed operations is the line that matters. Confirm how the form treats damage to your work versus resulting damage to the rest of the structure.
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Electrical contractors
Electrical contractor insurance, underwritten on fire exposure.
Electrical work is underwritten on one question above all others: if something you installed starts a fire two years from now, how large is the building it is in?
The problem
How carriers look at electrical work
Completed operations drives electrical underwriting because the severity is asymmetric. The job might be a four thousand dollar panel upgrade. The fire loss behind it can be seven figures, and it arrives long after the invoice was paid.
That is also why the faulty workmanship language matters more here than in most trades. A policy that excludes damage to your own work but covers resulting damage to the rest of the structure behaves very differently from one that excludes both. Those two forms can look almost identical on a proposal.
Service and repair work on existing systems is viewed differently from new construction rough-in, because you are inheriting somebody else's wiring and the loss may be attributed to you regardless.
High voltage, utility work, traffic signals and anything above a defined voltage threshold usually moves the account out of the standard market entirely.
Workers compensation class
5190
Electrical wiring within buildings
Note the phrase within buildings. Outside line work, utility and high voltage work are classified separately and rated far higher, so drifting into that work without telling anyone creates both a coverage gap and an audit problem.
Coverage
What we place, and what to read before you rely on it.
Workers compensation
Class 5190 for interior wiring. Confirm classification if you perform any outside line or high voltage work.
Tools and equipment
Meters, benders, generators and lifts, covered at the jobsite and in transit.
Commercial auto
Service vehicles and any equipment trailers.
Umbrella and excess
Frequently required by general contractors and almost always required for institutional or municipal work.
Professional liability
Relevant if you do any design or design-build work, because general liability does not respond to a design error.
Submission
What underwriters will want on an electrical submission
Having these ready is the difference between an indication in two days and a submission that sits for three weeks.
- Residential versus commercial versus industrial split
- New construction versus service and repair percentage
- Maximum voltage worked on
- Whether any outside line, utility or traffic signal work is performed
- Whether you perform any design or design-build work
- Whether you install or service fire alarm or life safety systems
- Three to five years of loss runs
Related
Send the declarations page and we will tell you what is actually covered.
No fee to shop your coverage. If the standard market will not write it, we go to surplus lines and explain the difference before you sign anything.
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