Independent agency in American Fork, Utah · Since 2005
Electrical Contractor Insurance in Utah for Residential and Commercial Electricians
Service work, tenant improvements, new construction, solar and low-voltage. We help Utah electricians carry coverage that holds up when a GC, owner, or inspector asks for proof.
📞 Call (801) 407-8360Request a Call Back
Talk to a licensed agent, not a call center.
Coverage built for electrical contractors
General liability
Third-party injury and property damage claims, including fire or damage that shows up after the job is finished (completed operations).
Professional liability
Design-build, load calculations, and engineering advice, which general liability usually doesn't cover.
Workers' compensation
Required in Utah for businesses with employees, and needed for your DOPL contractor license.
Commercial auto
Work vans and trucks, plus hired and non-owned auto for employees who drive their own cars on the job.
Tools & equipment floater
Testers, wire pullers, lifts, and tools stolen from a van or damaged at a job site.
Commercial umbrella
Extra limits above your liability and auto policies when a large fire loss or a contract calls for more.
Gaps we check on every review
Having a policy and being properly covered are two different things. When we review insurance for electrical contractors, these are the claims we look for first:
- A fire months after the job, traced back to your wiring
- Design or load-calculation errors on design-build jobs
- Wire, panels, and materials stolen from a site before the owner takes over
- Contracts that require higher limits or additional insured wording than you carry
Read more: What Insurance Do Contractors Need?
How it works
Call us or request a call back
Tell us what kind of work you do, roughly how big your crew is, and when your current policy renews.
We shop it for you
As an independent agency we compare options from several carriers, so you don't have to fill out the same application again and again.
Review it with a real agent
We go through what's covered and what isn't, then handle certificates and additional insured requests for your jobs.
Have this handy for a faster quote
- Type of work (residential, commercial, new construction, service, solar or low-voltage)
- Annual revenue and payroll
- Number of employees and any subcontractors you use
- Vehicles and the value of your tools and equipment
- Current policy and its renewal date, if you have one
Don’t have it all? Call anyway.
Frequently asked questions
Do electricians need professional liability insurance?
If you design systems, size services, or give engineering-type advice, it's worth a look. General liability is built for injury and property damage, not for financial losses caused by a design or advice error. Availability varies by carrier.
What insurance do I need for my Utah contractor license?
Utah's Division of Professional Licensing (DOPL) requires active contractor licenses to keep general liability insurance in force, and workers' compensation if you have employees. Owners without employees may qualify for a waiver. We can help you show the proof DOPL needs.
Can you issue certificates for my general contractor or property manager?
Yes. Once you're insured with us, we handle certificates of insurance and additional insured requests, as allowed by your policy.
I already have insurance. Can you still look at it?
Absolutely. Many contractors call us for a second look before renewal. We'll review what you have and tell you plainly if we see gaps.
Get your electrical contractor insurance quote
The fastest way is a quick call: (801) 407-8360. Prefer we call you? Leave your name and number below and a licensed agent will call you back.
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Insure Right Insurance Agency, LLC · 831 E 340 S, Suite 200, American Fork, UT 84003 · (801) 407-8360 · [email protected]
This page is for general information and is not legal or insurance advice. Coverage availability and terms vary by carrier and state, and all coverage is subject to underwriting and policy terms.
