Electrical Contractor Insurance in Colorado Springs

Electrical work carries fire, shock and property-damage risk that carriers price carefully. Client's Choice Insurance quotes general liability, workers' comp, auto and tools coverage for Colorado Springs electricians and electrical contractors across multiple carriers.

Get an Electrical Contractor Quote

Coverage Most Electrical Contractors Carry

Coverage	Why it matters
General liability	Pays for injury or property damage your work causes, including fires traced back to an installation after the job is done.
Workers' compensation	Covers employee injuries such as shocks, falls from ladders and cuts. Required in Colorado once you have employees.
Commercial auto	Covers service vans and trucks driven by you and your crew.
Tools and equipment	Covers meters, testers, pullers and other gear stolen from the van or damaged on the job.
Umbrella	Adds limits above GL and auto for commercial contracts that ask for $2 million or more.

Risks Underwriters Ask About

Residential, commercial or industrial work, and the mix of each
Service and repair versus new construction
Solar, low-voltage, fire alarm or other specialty work
Use of subcontractors and whether they carry their own coverage
Payroll by job class and years in business

Licensing and Insurance in Colorado Springs

Colorado electricians are licensed by the state, and state licensees must also register with the Pikes Peak Regional Building Department to pull permits in Colorado Springs and most of El Paso County. PPRBD requires $1,000,000 per occurrence and $2,000,000 aggregate general liability, its exact certificate holder wording, a 10-day cancellation notice endorsement, and workers' comp or a signed rejection on file.

Electrical Contractor Insurance Questions

Do electricians need general liability in Colorado Springs?

To register with PPRBD and pull permits, yes. GCs and property owners also require it before you start work.

Does general liability cover a fire caused by my wiring?

Damage to other property from your completed work is generally covered under completed operations, subject to the policy terms. The cost to redo your own faulty work usually is not.

Do I need workers' comp if I work alone?

Not if you file a valid rejection of coverage for yourself. Once you hire employees, Colorado requires it.

See coverage by trade, general liability insurance and PPRBD insurance requirements.

Coverage is subject to policy terms, conditions, limits and exclusions.