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Who Are the Best Insurance Companies for Electricians? (2025 Guide)

  • Daryl Henry
  • Sep 16
  • 4 min read

Why the Right Insurance Partner Matters


If you’re an electrician, you already know the risks you deal with every single day—electrical fires, an employee falling off a ladder, a fender bender in your work van, or even a lawsuit months after a job is finished.


Insurance isn’t just paperwork. It’s the difference between a claim putting you out of business or keeping your company running. But here’s the tricky part: there are a lot of companies out there, and not all of them are good at insuring electricians.


That’s what this post is about. I’m going to break down the three main ways you can buy insurance—online platforms, direct writers, and independent agents—and show you which companies actually understand contractors like you.





The Three Channels Electricians Can Buy Insurance


1. Online Carriers


Think of companies like Next or BiBerk. These are built for speed and simplicity. You jump online, get a quote in minutes, pay with a credit card, and boom—you’re insured.


Pros:


  • Fastest way to buy insurance

  • Clear, upfront pricing

  • Perfect if you’re a one-person shop


Cons:


  • Nobody to call for advice on coverage gaps

  • Limited support when you file a claim

  • No long-term strategy as your business grows


If you’re just starting out and you need proof of insurance today so you can get on a job site tomorrow, online carriers can work. But once you start adding employees, vehicles, and bigger contracts, you’re probably going to outgrow them quickly.


2. Direct Writers


Direct writers are companies like State Farm, Erie, and Federated Insurance. They sell through their own agents—usually people who live in your community.


Pros:


  • Local agent relationship—you might see them at church, on the golf course, or at your kid’s soccer game

  • One-stop shop for business, auto, home, umbrella, and personal lines

  • Well-known, stable companies


Cons:


  • You’re limited to one company’s products

  • If they non-renew you or decide they don’t want your business, you’re stuck starting over

  • Sometimes their coverages aren’t tailored to contractors


This route can make sense if you value the personal relationship and your operation fits neatly into what they want to insure. But if you hit a growth spurt, land bigger contracts, or your risk profile changes, you may find that your agent doesn’t have other markets to pivot to.


3. Independent Agents


Independent agencies are where most electricians eventually land. The difference is simple: instead of representing just one company, independents represent many.

That means they can shop the market for you, compare multiple options, and tailor a program that fits your business.


Top Independent Agency Carriers for Electricians:


  • Builders Mutual

  • Cincinnati Insurance

  • Selective Insurance

  • The Hartford

  • Donegal Insurance Group

  • Utica National

  • Mutual Benefit Group

  • Travelers

  • Liberty Mutual


Pros:

  • Multiple options, not just one

  • Coverage that can scale as your business grows

  • A broker who can fight for you if there’s ever a claim


Cons:

  • Not as fast as the online carriers

  • Service depends on the quality of the agency you choose


This is usually the sweet spot for electricians who want flexibility and long-term security. When your business changes, your agent can pivot to another carrier without you losing that relationship.


Workers’ Compensation: A Big Piece of the Puzzle


Workers’ comp deserves its own section because it’s often the single biggest expense for electricians. And depending on your size, it can either be a straightforward policy or a major challenge.


Some companies will write workers’ comp as a stand-alone policy—meaning you don’t need other lines with them. Examples include:


  • Accident Fund

  • The Hartford

  • Chesapeake Employers Insurance

  • AmTrust

  • Liberty Mutual


That said, here’s the risk: if workers’ comp is the only policy you carry with a company and you have a claim, they’re a lot quicker to non-renew you. When you bundle multiple coverages (GL, auto, umbrella) with the same carrier, you’re much “stickier” as a customer. That gives you leverage when things don’t go perfectly.


How to Decide Which Channel Fits You Best


So, who’s the best insurance company for electricians? It depends on where you’re at in your business journey.


  • Solo electrician / small shop: Online carriers can get you proof of insurance quickly.

  • Relationship-driven buyer: Direct writers give you a single point of contact, but you’re limited to one company’s appetite.

  • Growing business / long-term vision: Independent agencies win because they give you flexibility, options, and claim advocacy.


If you’re serious about scaling your business and bidding bigger jobs, you’re going to want the depth and options of an independent broker with strong contractor markets.



Final Word and Call to Action

At the end of the day, your insurance isn’t just about price. It’s about protecting your business so you can keep doing what you do best—keeping the lights on and the wires safe.


⚡ If you’re an electrician in Maryland or the Mid-Atlantic, I can help you figure out which carriers are the right fit for your business.



And if you found this helpful, share it with another contractor who’s struggling to figure out their insurance.

 
 
 
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