Electrical Contractor Insurance in Texas
Review insurance for your work, crew, tools and vehicles. Bring your contractor license and job requirements so we can review the coverage you need.
Independent guidance from our Madisonville office.
Already a client? Get help with your policy.
Service calls, remodels and new construction
Tell us about your service and repair calls, remodels, upgrades and new construction wiring. Your crew size and mix of work shape the review.
Include any high-voltage, utility, industrial or solar installation work. A licensed team member reviews these projects before saying what fits.
Coverage for your work, equipment and crew
Review the work you do, the people doing it and the property involved, including claims after a job is finished.
Vehicles and driving
Commercial auto can address covered accidents involving business vehicles. Hired or non-owned auto addresses different situations, such as rented vehicles or an employee's personal car used for a parts run. Review ownership, drivers, and business use.
Tools and equipment
Tools and equipment coverage can address covered theft or damage to the equipment you use. Ask whether protection follows tools between the truck, shop, and job site, and what theft limits or overnight storage conditions apply.
A shop, yard, or storage building
If you own or lease a building for storage, a shop, or an office, bring the address and how it is used. Property coverage can help address covered damage to the building and what is inside it.
People doing the work
Workers compensation can address covered work-related injuries to employees. Most Texas private employers can choose whether to carry it, but contracts and certain public projects can require it. Review employees, apprentices, and subcontractor arrangements.
Completed work
Products or completed operations coverage within general liability may address covered injury or damage caused by finished work, such as a later fire. It does not automatically pay to correct faulty wiring; exclusions and endorsements matter.
Customer property while you work
General liability may address covered injury or damage to a customer's property during your operations. Damage to the particular property being worked on and the cost of correcting your work can be excluded, so check the policy before assuming it applies.
Compare electrical contractor costs and coverage
What an electrical contractor pays depends on the size of the crew, the mix of service and repair, remodel, and new construction work, the vehicles and equipment involved, and claims history.
The limits and deductibles you choose also change the outcome, along with which insurance markets are available for the operation as described. A specific review says more than a generic number ever could.
Before you compare the price
- The same liability limits
Confirm every quote meets or exceeds the same general liability limits, not just the state minimum on paper.
- The same completed operations limit
Ask whether products and completed operations coverage sits at a comparable limit on each quote.
- The same vehicles and drivers
Check that every truck, van, and driver you listed is actually included on each quote.
- The same deductibles
Look at what the business would pay out of pocket before you compare the total price.
Texas electrical contractor insurance requirements
The Texas Department of Licensing and Regulation, or TDLR, issues the Electrical Contractor license, the business license that lets a company perform electrical contracting work in Texas. This license is separate from the individual licenses, such as apprentice, journeyman, and master electrician, that the people doing the work carry.
TDLR's insurance rule, 16 Texas Administrative Code Section 73.40, requires an Electrical Contractor to maintain general liability insurance of at least 300,000 dollars per occurrence, combined for property damage and bodily injury, at least 600,000 dollars aggregate, and at least 300,000 dollars aggregate for products and completed operations. The insurer must be an admitted company, an eligible surplus lines carrier, or rated B+ or higher by A.M. Best.
Section 73.20 of the same rule ties this requirement to the license itself. An applicant must submit proof of general liability insurance, and either workers compensation insurance, a certificate of authority to self insure, or a written election not to carry workers compensation, with the initial application and every renewal.
The requirement attaches to the Electrical Contractor business license, not to any one electrician working under it. In practice, when a customer asks whether an electrician is insured, our office often helps by providing a certificate of insurance at that business license level.
Source: Texas Department of Licensing and Regulation, 16 Texas Administrative Code Sections 73.40 and 73.20, read September 7, 2026.
Electrical contractor insurance terms
Review liability, workers compensation, completed operations and proof of insurance.
General liability insurance
The Texas Department of Insurance describes general liability insurance as coverage that can help address claims of bodily injury, property damage, and personal and advertising injury. It is also the coverage TDLR sets a stated minimum for to hold an Electrical Contractor license.
Workers compensation
Workers compensation can help pay medical costs and lost wages for an employee hurt on the job. The Texas Department of Insurance says the state does not require most private employers, including electrical contractors, to carry it, and TDLR's license application still asks which election you have made.
Completed operations
Completed operations means a claim tied to work you already finished and were paid for, such as a fire traced back to a wiring job from months earlier. TDLR's rule sets aside a separate aggregate figure just for this kind of claim.
Certificate of insurance
A certificate of insurance is a standard document your insurer issues showing your coverage and limits. Our office often helps put one together when a customer or a general contractor wants to see proof that you are insured.
What to gather before you call
You do not need everything on this list to get started, though having it ready saves a second call.
- 01Your TDLR Electrical Contractor license number and status
- 02The kind of work you do
service and repair, remodel, new construction, or a mix
- 03Any high-voltage, utility, industrial, or solar installation work, so we can look at it first
- 04The trucks and vehicles used for the business, and who drives each one
- 05The number of employees, apprentices, and any subcontracted electricians
- 06Whether you own or lease a shop, yard, or storage building
- 07Your current insurance policies, if you have them
- 08Any past claims or losses, even ones you think are minor
Review your options with our Madisonville office
Stover & Crouch is an independent agency in Madisonville, working with electrical contractors across Texas by phone or online. A licensed team member reviews your business and helps you compare available insurance options.
- Describe your work
Tell us about your jobs, contractor license, crew and vehicles.
- Review the details
A licensed team member checks your operation before anything is quoted.
- Explore available options
We review available insurance markets for your operation.
- Compare and decide
We explain the options, limits and what is still needed to move forward.
Common questions from electrical contractors
Is workers compensation required for my crew?
The Texas Department of Insurance says Texas does not require most private employers to carry workers compensation, and that includes electrical contractors. Your Electrical Contractor license application, filed with TDLR, still asks you to state, in writing, whether you carry it, self insure, or elect not to.
What should I bring when a customer asks for proof of insurance?
Ask the customer for the exact insurance or certificate request and any deadline. Bring it with your current policy so our office can review what is needed.
Does my insurance need to change for a bigger remodel or a new construction job?
It can. Service and repair, remodel, and new construction work do not always carry the same exposures, so tell us the mix of work you do and we will review it with you.
Tell us about your electrical contracting business
Start a quote request or call our Madisonville office to review your work.
A website request does not bind, change, cancel, reinstate, or confirm coverage.