Electrical Contractor Insurance

Electrical contractors work with one of the most dangerous forces in construction — electricity. Arc flash incidents, electrical fires, and shocks to third parties can result in catastrophic injuries and property damage. A single electrical fire caused by faulty wiring can result in hundreds of thousands of dollars in property damage claims, and without the right insurance, your business could be held personally liable.

The Oregon Construction Contractors Board (CCB) requires all licensed electrical contractors to carry general liability insurance. Residential contractors need a minimum of $100,000 per occurrence, while commercial contractors must carry $500,000. But most general contractors, property owners, and project owners require higher limits — often $1 million or more — and many require you to name them as an additional insured on your policy.

Insure Pacific has been insuring Oregon contractors since 1935. Our agents understand the CCB requirements, the unique risks electrical contractors face, and how to structure a policy that keeps you compliant, competitive, and protected on every job site. We work with 50+ carriers to find the right coverage at the right price for your electrical business.