General liability
Third-party injury and property damage from your operations — and the certificate every GC will ask for.
Coverage that understands what a bad connection costs.
Electrical work carries fire and completed-operations exposure that generic business policies price badly and explain worse.
What this trade actually faces
The exposures worth naming out loud
- Fire attributed to work you completed, sometimes long afterwards.
- Damage to equipment or electronics from a fault during service or installation.
- Work in occupied homes and businesses, where a small mistake meets someone else's property.
- Service vehicles carrying expensive tooling and meters.
- General contractors requiring specific limits and additional-insured status before you can start.
Coverages that answer them
What goes on the policy, and why
Products & completed operations
The exposure that matters most in this trade. A fire traced to a connection made two years ago is a completed-operations claim.
Tools & equipment
Meters, benders, and specialty tooling, covered where they live: in the van and on the job.
Workers' compensation
Required for most Michigan employers, and among the most heavily scrutinised classifications by carriers.
Commercial auto
Service vans and trucks, including hired and non-owned use when someone runs for parts in their own vehicle.
Umbrella
Extra limits above liability and auto, often needed to meet contract requirements on commercial work.
Coverage descriptions are general. What a policy actually covers depends on its own terms, conditions, and exclusions, and on the carrier issuing it. A licensed agent reviews the specifics with you before anything is bound.
A hypothetical worth thinking about
A panel upgrade you finished last spring is named in a fire investigation this winter. The work is complete, the invoice is paid, and the policy that responds is the one in force now — under its completed-operations coverage. Whether that coverage was carried continuously between then and now is the question, and it is why a lapse or a carrier change made without care can matter years later.
Illustration only — not a description of an actual claim, and not a statement of what any particular policy would pay.
What we need from you
Have these handy and this takes a few minutes
- Annual revenue and payroll
- Residential, commercial, or industrial mix
- Whether you perform any high-voltage or utility work
- Service vehicles and tooling values
- Any losses in the last five years
Related trades
General Contractors & Remodelers
General liability, tools, work comp, and vehicles reviewed together — with certificates issued when you need them, not three days later.
Plumbers & HVAC Contractors
Water and heat exposures behave differently from other trades, and the policy that covers them should be built accordingly.
Rather talk?