Electrician Coverage Checklist

Business: ________________ Contact: ________________ State: ________________ Job or client: ________________ Certificate due date: ________________ Quote review date: ________________

Use this checklist to compare what each quote includes, what the contract asks for, and which items still need review before you accept a policy or request a certificate of insurance.

Median monthly cost references below come from TechInsurance data for electrical contractors who applied for quotes through TechInsurance. Your premium depends on your payroll, receipts, work type, state, vehicles, tools, subcontractor cost, limits, deductibles, and claim history.

• Certificate holder name and address match the contract or client instructions.
• Additional insured wording is requested only where the contract requires it.
• Completed operations wording is reviewed if the contract asks for coverage after electrical work is finished.
• Primary and noncontributory wording is reviewed if the contract asks your liability policy to pay before another applicable primary policy.
• Waiver of subrogation wording is reviewed before it is requested on general liability, workers compensation, auto, or umbrella coverage.
• Umbrella or excess liability limits are compared with the contract requirement before the certificate request is sent.
• Installation floater coverage is considered when the job includes materials or equipment being stored, transported, or installed before final acceptance.
• Subcontractor insurance requirements are checked if you hire another electrician, low-voltage contractor, trenching crew, or other subcontractor for the job.

Questions to resolve before choosing coverage:

• Does the general liability quote include products and completed operations coverage for finished electrical work, subject to policy terms and exclusions?
• Are tools, rented equipment, and materials in transit insured under the quoted property or inland marine coverage?
• Are all business vehicles, trailers, regular drivers, and requested auto liability limits included in the quote?
• Does the workers compensation quote use the correct payroll basis for electrical work and any clerical or sales employees?
• Does the quote include the endorsements needed for this contract, or will the carrier charge for added wording later?
• If the contract asks for professional liability or contractor errors and omissions, does the quoted policy match that requirement?
• If the quote is general liability only, list the separate quotes still needed: workers compensation, commercial auto, tools and equipment, umbrella, or professional liability.