Electrician insurance in 28 states

Why your state changes your coverage

Three things vary from state to state, and all of them land on your insurance. The first is licensing. Some states require proof of general liability, a license bond or a workers' comp certificate before they'll license an electrical contractor. Others have no statewide license, so the city or county where you work sets the rules.

The second is workers' comp. The employee count that triggers mandatory coverage differs by state, and so do the owner exemptions. Ohio routes comp through its state-run fund, while Texas employers can choose not to carry it at all. The third is local risk: hurricane-driven generator work in one state, data-center construction in another, wildfire shutoffs somewhere else.

Each state page covers those three areas, the cities where we see the most electrical work, and our license number in that state.

Our licenses at a glance

The Allen Thomas Group · National Producer Number (NPN) 7642818

Is your state missing?

We only quote in states where we hold an insurance license. If your business is based outside these 28 states, we can't place your coverage today. You're still welcome to read our guides for electrical contractors, and if you work in one of our states as well, start a quote and tell us where your crews go.