California · Electrical contractors
Electrician insurance in California
General liability with completed-operations, workers’ comp, commercial auto, and tools/equipment coverage. We place California electrical contractors — including the fire and faulty-wiring exposure that makes standard markets nervous.
Electrical contractors hold a CSLB C-10 license, and electricians performing the work must be state-certified.
Got it. We'll reply by email within one business day.
Why Setpoint for Electrical contractors?
We place the fire and completed-operations exposure that follows electrical work long after the job is finished.
Independent and specialty-focused — we shop the surplus lines markets retail agents can’t reach directly.
Tools and test equipment scheduled so a stolen kit doesn’t stop your week.
Common questions
Frequently asked questions
What insurance does an electrician need in California?
A California electrical contractor typically carries general liability with completed-operations, workers’ compensation, commercial auto, and inland-marine coverage for tools and test equipment. Because faulty wiring can cause a fire years later, completed-operations coverage is central — not optional.
Does an electrician need workers’ comp in California?
Yes with employees, and SB 216 requires workers’ compensation as of January 1, 2026 for CSLB-licensed contractors (C-10) even with no employees. A minimum-premium policy is the usual route for a solo electrician.
Does electrician insurance cover fire damage from faulty wiring?
Fire caused by your completed work is generally covered under the completed-operations portion of general liability, provided the policy hasn’t excluded it and the limits survive a serious loss. This is exactly where generic small-business policies fall short for electricians.
What CSLB classification do electrical contractors need?
Electrical contractors hold the CSLB C-10 license, and the individual electricians performing the work must be certified by the state. Low-voltage and certain communications work can fall under other classifications, which can affect how a policy is rated.
How much does electrician insurance cost in California?
Cost is driven by payroll, residential versus commercial and industrial mix, the amount of new-construction and high-voltage work, and your loss history. A service-and-repair electrician and a new-construction shop price very differently, so an accurate submission produces the fair number.
Other trades we cover
See all industries we insure or the coverage we place.
Tell us about your operation
Send a few details about your business and where you are in your policy term. Non-renewed or post-claim? That's our specialty — it won't shock us.