General Liability
Protects your electrical contracting business against third-party bodily injury and property damage claims arising from your operations, whether on a job site or at a client's commercial facility.
Electrical contractors face high-stakes risks on every commercial job site — from arc flash incidents to third-party property damage and faulty workmanship claims. Soma builds tailored insurance programs that cover your crew, equipment, and completed work. Whether you're a solo electrician or a multi-trade contractor, get fast, competitive coverage through one straightforward application.
Comprehensive commercial coverage designed for electrical contractors — from liability and workers comp to tools and completed operations.
Protects your electrical contracting business against third-party bodily injury and property damage claims arising from your operations, whether on a job site or at a client's commercial facility.
Covers claims of faulty workmanship, design errors, or negligent electrical work — essential for contractors who provide design-build, inspection, or consulting services alongside installation.
Protects electrical installations, materials, and equipment during the course of a commercial construction project, from initial wiring through project completion and final inspection.
Covers your work trucks, vans, and service vehicles used to transport crew and equipment to commercial job sites, including hired and non-owned auto for employees using personal vehicles.
Provides wage replacement and medical benefits for electrical workers injured on the job — a mandatory coverage in most states and critical for high-risk electrical and construction environments.
Soma's Risk Management Team analyzes your electrical contracting operations, identifies coverage gaps, and places the right commercial program at the right price — fast, through a single application.
Electrical contractors carry some of the heaviest liability exposure in the construction trades — arc flash hazards, completed operations claims, and strict NEC compliance requirements mean standard business policies rarely provide adequate protection. Soma works with specialty carriers like Chubb, Liberty Mutual, and Kinsale to structure programs that address every layer of your risk: on-site operations, tools and equipment, completed work, and your commercial fleet. One application. Fast placement. Coverage that actually fits.
See how electrical contractors across the country secured the right coverage through Soma — fast.
Soma replaces the slow, frustrating broker experience with fast placement, expert risk analysis, and coverage built around your trade.
We place electrical contractor coverage others won't, including hard-to-insure risks with prior claims or complex multi-trade operations.
Get quotes across hundreds of carrier partners with a single application — no chasing brokers or waiting weeks for a response.
Our Risk Management Team understands contractor exposures, NEC compliance requirements, and the nuances of commercial electrical work.
Soma binds coverage fast — critical when a contract award or project start date depends on your certificate of insurance being ready.
Expert insurance professionals dedicated to protecting contractors and complex businesses.
Soma was built to solve a problem that contractors know well: insurance that takes too long, costs too much, and still leaves gaps. As the fastest brokerage for complex commercial insurance, Soma's team has processed thousands of businesses across construction, manufacturing, and specialty trades — placing coverage that standard markets routinely decline. Our Risk Management specialists understand the unique exposures electrical contractors face, from completed operations liability to workers compensation in high-risk environments. Backed by relationships with top-rated carriers including Chubb, Liberty Mutual, and Kinsale, Soma delivers competitive, comprehensive programs through one seamless application — so contractors can get to work.
Premiums for electrical contractor insurance vary based on annual revenue, number of employees, types of projects, claims history, and coverage limits. A small electrical contractor might pay $1,500–$5,000 annually for general liability, while larger commercial operations with workers comp and completed operations coverage can expect higher premiums. Soma runs your risk profile across hundreds of carriers to find the most competitive rate for your specific operation.
Talk to a Soma risk specialist for a free consultation tailored to your electrical contracting business.
Backed by one of the world's leading commercial insurers
Access to top-rated contractor coverage through Liberty Mutual
Specialty E&S market access for hard-to-place contractor risks
Complete one short application and Soma's Risk Management Team will analyze your operations, identify the right coverage, and deliver fast, competitive quotes from top-rated carriers — with no back-and-forth delays.