KIG understands the risks electricians face — from arc flash and electrocution to fire liability from completed work. Our electrical contractor insurance programs are designed to protect you from all of it.
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Electrical contractors face some of the highest liability exposures in the trades — including fire, electrocution, and long-tail property damage claims from completed work. Here's how KIG covers you.
Core coverage for property damage and bodily injury caused during electrical work — including fire damage from faulty wiring, one of the most expensive electrical contractor claims.
Covers claims that arise after a job is complete — including fires or equipment damage caused by wiring defects discovered months or years later.
Covers your work trucks and vans, including equipment stored in vehicles and liability while driving between job sites.
Electricians face electrocution, falls, and arc flash risks daily. Workers' comp protects your employees and keeps you compliant with state law.
Covers meters, conduit benders, wire pullers, and other electrical tools from theft, damage, or loss on or off site.
Provides additional liability limits above your primary policies — essential when working on large commercial or industrial electrical projects.
Electrical contractor insurance is frequently misunderstood by generalist agents. The fire liability exposure alone requires specialized underwriting that most standard policies handle poorly.
Electrical fires are among the largest and most expensive liability claims. We structure your policy with carriers who understand and properly price this exposure.
Wiring faults can cause fires years after installation. We make sure your completed operations coverage is robust and adequately funded.
General contractors and building inspectors often need certificates on short notice. We provide same-day COI service.
We cover your licensed electricians and apprentices under the same policy — no gaps when less experienced workers are on site.
Electrical work carries liability that can follow you for years after project completion. A wiring defect might not cause a fire until a homeowner changes a light fixture two years later.
The most expensive electrical contractor claim — fires caused by faulty wiring that may appear years after the project was signed off.
Workers and third parties can be seriously injured or killed by electrical exposure. Both workers' comp and GL coverage are critical.
Arc flash can cause severe burns, fires, and equipment damage — one of the most dangerous electrical hazards for commercial and industrial work.
If work fails inspection or doesn't meet code, the cost to rework can be substantial. Professional liability covers these disputes.
No obligation. A specialist calls you within 1 business day.