Electrician Insurance in Texas — Coverage for the Work Behind the Walls.
Electrical work carries real fire, shock, and property damage exposure — whether you're wiring new construction, doing service calls, or running a commercial crew. We build programs that match the risk in your trade.
Coverage That Fits Electrical Operations
The right electrician insurance program covers more than just general liability.
Electrical work is high-consequence — a wiring mistake can cause a fire long after the job is done. Here's what a properly built electrician program typically includes:
What We Watch For
The exposures that catch electrical contractors off guard.
Common gaps we find
- ✓Completed operations coverage that doesn't extend long enough to cover a fire claim that surfaces months after the work
- ✓Subcontracted electricians working without their own GL or workers' comp
- ✓Specialty tools and testing equipment left off the policy entirely
- ✓Low-voltage and security/data work not disclosed, leading to coverage disputes at claim time
What we ask before we quote
- →Do you do residential, commercial, or industrial electrical work — or a mix?
- →Do you do new construction, service/repair, or both?
- →Do you use subcontracted electricians, and do they carry their own coverage?
- →Do any contracts require you to carry specific limits or be bonded?
Why Electricians Work With McKnight
We're not guessing at what your business looks like day to day.
We Know the Trades
Our team comes from construction and contractor backgrounds — we understand the difference between rough-in work and service calls, and we build coverage around that.
Independent & Carrier-Flexible
We shop your electrical program across multiple carriers to find the right combination of price and coverage for your operation.
Real People When You Need Us
Need a certificate of insurance for a new job, or need to get bonded? Call us during business hours and we'll handle it fast.
Common Questions
Questions electrical contractors ask us most.
This is exactly what completed operations coverage under your general liability policy is for — but the limits and time period matter. We make sure your policy's completed operations coverage matches the real-world timeline for electrical claims, which can surface well after the job is done.
Get Started
Let's build the right insurance program for your electrical business.
Call us or request a quote. We'll ask the right questions about your operation — residential, commercial, or both — and find a program that actually fits and responds when you need it.
McKnight Insurance Services · Mansfield, TX · Same-day certificates · Weekdays 8:30am–5pm