Electrician Insurance in San Diego County
Electricians in California carry GL, WC, and (if licensed under CSLB) a $25K license bond. TWT bundles them in one quote with same-day COIs.
Key Takeaways for Electricians
- CSLB Requirements: Class C-10 Electrical contractors must carry a $25,000 bond. Due to the high risk of property damage (fire), GCs will scrutinize your GL limits and Completed Operations coverage.
- Cost Expectations: Electrical contractors face moderate to high GL rates due to fire exposure. A solo C-10 might pay $1,200 - $2,500 annually for GL.
- Same-Day COIs: We issue Certificates of Insurance (COIs) with Additional Insured endorsements the same day.
Coverages Every Electrician Needs
General Liability
Crucial for electricians due to fire risk. Covers property damage and bodily injury.
Learn More arrow_forwardWorkers' Compensation
Class code 5190 is typical. Covers electrocution, falls from ladders, and other job-site injuries.
Learn More arrow_forwardCompleted Operations
Protects you if a fire breaks out months after you finished wiring a house.
Learn More arrow_forwardLicense Bond
$25,000 CSLB bond required for an active C-10 Electrical license.
Learn More arrow_forwardWhat's Covered vs. Excluded
Typically Covered | Common Exclusions |
|---|---|
| Third-party bodily injury (e.g., client trips over tools) | Employee injuries (Requires Workers' Compensation) |
| Property damage caused by your work to other property | Damage to your own tools/equipment (Requires Inland Marine / Tools) |
| Completed operations (post-construction claims) | Accidents in company vehicles (Requires Commercial Auto) |
| Damage to the structure under construction (if you hold Builders Risk) | Damage to the specific part of property you are working on (Faulty Workmanship) |
Get Your Electrician Quote
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Fast Turnaround
Quotes typically provided within 24 hours.
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Same-Day COIs
Once bound, we issue certificates immediately.