Electrician Insurance in Florida
Keep Your Business Powered & Protected
At FLORIDA WE INSURE AGENCY, we know that electricians don’t just wire buildings — you power people’s lives. Whether you’re rewiring a home in Jacksonville, updating electrical systems in Tampa, or installing wiring in a Sarasota marina, your work comes with high risk: electrical shock, fire, property damage, and liability from accidental injury or faulty work.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
What Electrician Insurance Covers
Here are the core coverages we recommend for electrical contractors and why each matters:
General Liability Insurance
Covers third‑party bodily injury or property damage caused by your operations.
Commercial Auto Insurance
If you transport tools, equipment, or supplies in a van or truck, this covers accidents, liability and damages.
Tools & Equipment / Inland Marine
Covers loss, theft or damage of tools and equipment during transit or on job sites.
Workers’ Compensation Insurance
Covers job‑site injuries, medical costs, and lost wages for employees.
Commercial Property Insurance or BOP
Protects your office, warehouse, or stored materials from damage due to storms, theft, fire, or vandalism.
Umbrella / Excess Liability Insurance
Adds extra liability limit protection when standard policies aren’t enough.
Why Electrician Insurance Matters for Your Business
As an electrician, every job carries real hazards. Working with live wires and power systems means that even a small mistake can lead to serious injuries or property damage. Without the right insurance, one claim could endanger your business, your livelihood, or your reputation.
That’s why a specialized electrician insurance policy is essential — not optional. It protects you against liability, equipment loss, job‑site accidents, and helps you comply with licensing and contract requirements.
Why Choose FLORIDA WE INSURE AGENCY for Electrician Coverage
30+ Florida Carriers Compared
We shop top insurers to find coverage that fits your business size, trade, and risk profile.
Coverage Built for Florida Risks
We understand harsh weather, permitting requirements, and contractor regulations.
Annual Policy Review & Re-Shopping
We re‑shop coverage to keep pricing and protection competitive as your business grows.
Free Legal Support for Claims Disputes
Our in‑house legal team fights for you at no extra cost.
Real Florida Agents — Not Call Centers
Talk directly to licensed agents who know your trade and region.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Electrician Insurance FAQs
Is electrician insurance required in Florida?
Licensed electrical contractors typically need liability insurance, and workers’ comp is required if you have employees. Clients and contractors often require proof of insurance before hiring.
Does a personal auto policy cover my service van?
No. Personal policies exclude business use. A commercial auto policy is needed for job-site travel and transporting equipment.
Are my tools covered on the job or during transport?
Not by default. Tools require specialized coverage like equipment floater or inland marine protection.
I’m a solo electrician doing small jobs — do I still need insurance?
Yes. Even one mistake could result in costly damage or injury. We recommend liability and commercial auto coverage at minimum.
What if I grow and add employees or vehicles later?
We’ll help you scale your policy as your business grows — adding workers’ comp, more auto coverage, and liability as needed.
Service areas
Areas We Serve — Electrician Insurance Across Florida
We proudly provide electrician insurance statewide, including:
Electrician Insurance in St. Augustine, FL
Electrician Insurance in Jacksonville, FL
Electrician Insurance in Tampa, FL
Electrician Insurance in Sarasota, FL
Electrician Insurance Across Florida
Stay Powered & Protected
Get Insured Today!
Don’t leave your business exposed to risk. Whether you’re rewiring a home, upgrading a commercial property, or responding to a service call. Let us build a full insurance package that protects you, your tools, your crew, and your future.
