Electricians Insurance in NJ

Insurance Coverage for New Jersey Electricians

From residential wiring and lighting installations to large-scale commercial and industrial projects, every job site brings unique exposures—shock hazards, fire risk, equipment damage, and client property loss. We’ll help you design a policy that fits your work, contracts, and compliance requirements so you can stay focused on completing projects safely and on time.

Key Coverages for Electrical Contractors

General Liability Insurance

Protects against third-party claims of bodily injury or property damage—such as a power surge causing equipment failure or a client tripping over tools on-site. It also includes products–completed operations coverage, which is essential for claims that arise after your work is finished.

Workers’ Compensation Insurance

Covers job-related injuries, such as electrical burns, falls, or muscle strains from heavy lifting. This policy helps pay for medical expenses and lost wages while keeping you compliant with New Jersey law.

Commercial Auto Insurance

Your vans and trucks are essential to your business. This coverage protects company vehicles, drivers, and attached equipment against accidents, theft, or damage—plus optional Hired & Non-Owned coverage for rented or employee-owned vehicles used for work.

Tools & Equipment (Inland Marine)

Covers your tools, meters, ladders, and testing devices wherever they go—on the job, in storage, or in transit. Choose blanket or scheduled coverage and include borrowed or leased equipment when needed.

Professional Liability (Errors & Omissions)

Adds protection for claims tied to design or advice—such as wiring recommendations that lead to system failure or mislabeling circuits that cause damage. E&O fills the gap between workmanship coverage and professional consultation risks.

Commercial Property Insurance

If you maintain a shop, warehouse, or office, property coverage protects your building, inventory, and materials from fire, theft, or storm damage. Business interruption options can help cover lost income if operations are temporarily paused.

Umbrella Liability

Provides an extra layer of protection above your primary liability policies. Many commercial contracts require at least $1 million in general liability limits—an umbrella policy helps you meet higher requirements and protect your business from catastrophic claims.

Why Electricians Choose Oliver L.E. Soden Agency

Electrical contracting isn’t a one-size-fits-all trade, and your insurance shouldn’t be either. As a New Jersey independent agency, Oliver L.E. Soden understands the hazards electricians face every day—live wires, code requirements, and demanding timelines. We help align your coverage with state licensing rules, GC contracts, and jobsite safety standards, so your business stays protected and compliant.

Protect Your Electrical Business Today

From panel upgrades to full rewires, protect your work, your tools, and your team with tailored insurance from Oliver L.E. Soden Agency. Contact us today for a free policy review and custom quote designed for electricians across New Jersey.

FAQs

Do electricians need both General Liability and Workers’ Compensation?

Yes. General Liability covers damage or injury to others, while Workers’ Comp protects your employees if they’re hurt on the job—both are essential for licensed contractors in New Jersey.

Can you meet my general contractor’s insurance requirements?

Absolutely. We can issue certificates of insurance with Additional Insured and Primary & Non-Contributory endorsements to satisfy contract obligations.

Are my tools covered while in my vehicle?

Yes, with an Inland Marine policy, your tools and equipment are covered on the job, in transit, and in storage—subject to your chosen limits and deductibles.