Yes. In fact, we issue certificates of insurance for general contractors, property owners, property managers, and municipalities. Tell us who needs the certificate and any wording they require. We’ll usually turn it around the same business day when the policy allows it.

Many construction contracts ask to be named as an additional insured, often with primary and non-contributory wording. Some also ask for a waiver of subrogation. However, those are policy endorsements, not something a certificate can create on its own. Send us the insurance section of the contract before you sign, and we’ll confirm whether your policy can meet the request. Then we’ll issue the certificate to match.

You should collect current certificates showing general liability and workers’ compensation (when they have employees) before a sub starts. Keep them on file. If a sub is uninsured, their payroll may be added to your workers’ comp audit. As a result, you can be left with their injuries or their mistakes. Many carriers also ask whether you use written agreements with additional-insured and hold-harmless wording.

Usually not. General liability covers injury and damage you cause to other people and their property, not your own tools. A commercial auto policy typically covers the vehicle, not the meters, benders, pullers, and wire stock inside it. Inland marine, also called a tools-and-equipment floater, is the coverage designed for gear at the shop, in the truck, or on the job.

Generally, yes. Pennsylvania requires most employers to carry workers’ compensation if they have even one employee who could be injured in this state. That includes part-time employees and, in many cases, family members who work in the business. Sole proprietors and certain partners or officers may be able to exclude themselves.

Rates are based on payroll and on classifications set by the Pennsylvania Compensation Rating Bureau (PCRB). We’ll help assign the right class for your work, and you can also start from our workers’ compensation quote page.

It depends on the policy and the facts of the loss, so we will not promise that a given claim is covered. On a typical commercial general liability form, products-completed operations coverage may respond if finished work later injures someone or damages their other property. For example, that could apply to a fire or shock claim that is traced back to a completed job, subject to the terms, limits, and endorsements.

What a standard form generally does not pay for is the cost to redo your own defective work. Endorsements can also narrow coverage for certain operations. If a customer reports a problem, call us and we’ll review the policy with you.

It can. Carriers treat specialty electrical work differently, so some markets limit or exclude it. Solar and PV, EV chargers, standby generators, fire alarm, low-voltage and data, and high-voltage or utility work can all affect which carriers will quote you. Therefore, list everything you do on the form. That way we shop the markets that will actually write your work, rather than finding out at claim time.

It is optional for many electricians, but it is worth a look if you design systems, size loads, or do design-build work. Many general liability policies exclude professional services. Contractor E&O can help with claims that a mistake in advice or design caused a loss. Ask us whether it makes sense for the work you do.

It varies by job and by town. Some cities and boroughs ask for a permit bond. Public and larger commercial jobs often ask for bid, performance, and payment bonds. However, a bond is a three-party guarantee to the project owner, not a substitute for a liability policy. Tell us what the contract or municipality requires and we’ll work out the next step.

Yes, because carriers look at the mix of residential, commercial, and industrial work. They also look at new construction versus service and remodel. Meanwhile, some markets prefer service work, while others are more open to new construction. In addition, commercial and public jobs often require higher limits, additional-insured wording, and sometimes a commercial umbrella. If you also need a broader contractor policy, see our contractor insurance page.

Often, yes. Many carriers will consider a new venture when the owner has hands-on electrical experience. Be ready to share your years of experience, the kind of work you will do, and estimated receipts and payroll. Some markets have tighter rules for brand-new businesses, but we can still shop the ones that will look at you. In other words, you can request electrician insurance in Pennsylvania even when you are just getting started.

A description of the work you do, including any solar, EV charger, generator, fire alarm, or high-voltage work. We also need your residential, commercial, and industrial mix, your years in business and experience, and your receipts and payroll. Add your employee and subcontractor details, your vehicles and tool values, and your current carrier, expiration date, and claims from the last three years. Finally, the form below walks you through it — estimates are fine.