Electrician Insurance in Texas

The Exposures That Define Electrical Work

Electrical contractors work with live current, and the defining claim is a latent fire defect. Overloaded circuits, improper grounding, and bad connections can smolder and ignite long after the job is finished. Arc-flash and electrical shock also make electrical work the most severe injury trade in construction. High-voltage industrial work, solar PV installation, and commercial low-voltage each carry different class codes and different exclusions, so a correctly structured policy reflects the specific electrical work you perform.

General Liability for Electricians

GL for electricians centers on fire and electrical damage. A wiring mistake in a commercial build-out can destroy the entire structure, far exceeding typical claim sizes. Standard limits start at $1M per occurrence and $2M aggregate, and commercial electrical work often requires $2M per occurrence. Completed operations coverage is essential because electrical defects surface months or years after installation. Verify the policy covers resulting fire damage to the customer's property, not just direct bodily injury, and confirm it does not cap completed operations with a short sunset.

High-Voltage and Solar Exclusions

Some electrical GL policies exclude work above a defined voltage or exclude solar PV entirely by class code. If you perform industrial or high-voltage work, confirm the policy does not exclude it; if you install solar, confirm the solar class code is covered. A COI you issue for industrial or solar work cannot be backed by a policy that excludes that work. Subcontracted-work exclusions also matter — 1099 electricians must be added as additional insureds or their work may be excluded from your policy.

Workers' Comp for Electrical Crews

Arc-flash burns and electrical shock produce the most severe injuries in construction, and a single arc-flash event can require months of burn treatment — a six-figure workers' comp claim. Texas does not require workers' comp for private employers, but commercial GCs almost always require it before letting an electrical sub on site, and operating an electrical shop without it puts the owner's personal assets behind every shock and burn claim. Documented NFPA 70E compliance, arc-rated PPE, and lockout/tagout programs reduce both injuries and the experience modifier.

The TDLR $300,000 Minimum

Electrical is the only Texas trade where state law ties the license to an insurance minimum. The Texas Department of Licensing and Regulation requires electrical contractors to carry GL of at least $300,000 per occurrence to maintain licensure. That is a license floor, not a contract limit — commercial GCs and many municipalities require $1M/$2M before issuing permits or allowing site access. Carry limits that meet your contracts, not just the TDLR floor.

What GCs Require from an Electrical Sub

• General Liability at $1M/$2M minimum (commercial: $2M/$2M)
• Additional Insured via CG 20 10 and CG 20 37 (completed operations for latent fire defects)
• Waiver of subrogation and primary/non-contributory wording
• Completed operations coverage without a high-voltage or solar exclusion that applies to your work
• Workers' comp with employer liability and waiver of subrogation
• Certificate delivered before mobilization

Frequently Asked Questions

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