Electrical work carries real risk — from arc flash and high-voltage exposure to falls and equipment injuries. Soma helps electrical contractors secure workers' compensation coverage that matches the intensity of the job, protecting your crew and your business. With access to hundreds of specialty carriers, we place coverage fast, even for hard-to-insure electrical operations. Get insured the right way, without the wait.
Comprehensive workers' compensation solutions built for the unique risks electrical contractors face every day on the job.
Tailored workers' compensation policies for electrical contractors, covering job-related injuries including arc flash, electrical burns, falls, and equipment-related incidents across residential, commercial, and industrial sites.
Project-specific and contractor program insurance covering electrical subcontractors from ground-up construction through project completion, including contractor liability, tools and equipment, and completed operations protection.
General liability coverage protecting electrical contractors against third-party bodily injury and property damage claims arising from installation, maintenance, or repair operations at customer and job-site locations.
Commercial auto insurance for electrical contractor vehicles and service fleets, covering trucks, vans, and specialty vehicles used to transport crews, tools, and materials to job sites.
Soma's expert Risk Management Team analyzes your electrical contracting operations to identify exposures, recommend appropriate coverage, and place policies at the right price through a seamless, fast-turnaround process.
Bundled, tailored insurance programs for electrical contractors combining workers' comp, liability, property, and specialty coverages into one affordable, streamlined policy with a single application.
Electrical contracting is consistently classified among the highest-risk trades in commercial insurance — and standard brokers often decline or overcharge for coverage. Soma works directly with specialty carriers like Chubb, Liberty Mutual, and Kinsale to secure workers' comp policies that reflect the real exposures of electrical work: high-voltage environments, elevated work, and multi-trade job sites. Whether you run a two-person crew or a multi-state operation, we deliver competitive, compliant coverage fast through a single application — no weeks of waiting, no chasing brokers.
See how electrical contractors across the country have secured fast, affordable workers' comp coverage with Soma.
Soma is purpose-built to place insurance for complex, high-risk trades — here's what sets us apart.
We access hundreds of carriers including Chubb, Liberty Mutual, and Kinsale — placing workers' comp others routinely decline.
Get workers' comp and all your contractor coverages quoted with a single, fast application — no chasing multiple brokers.
Our dedicated Risk Management Team understands electrical trade classifications and structures coverage that fits your actual operations.
We bind coverage quickly — no waiting weeks for quotes — so your crew is protected and your contracts stay on schedule.
Experienced specialists dedicated to protecting electrical contractors nationwide.
Soma was built with a single conviction: complex businesses deserve better insurance, faster. Electrical contractors represent one of the most frequently declined and overpriced segments in commercial insurance — and Soma was designed to fix that. Our Risk Management Team has processed thousands of businesses across the construction and trades verticals, developing deep expertise in workers' compensation classification, payroll audits, and experience modification factors specific to electrical work. We partner with top-rated specialty carriers to deliver coverage that standard brokers can't access, and we do it without the weeks of back-and-forth that slow down your operations. From sole-proprietor electricians to multi-state contractor firms, Soma acts as your long-term insurance partner — proactively managing your risk profile and keeping your premiums competitive as your business grows.
Workers' comp premiums for electrical contractors are calculated based on total payroll, the specific class codes assigned to your workers (e.g., electricians vs. clerical staff), and your experience modification rate (EMR). A small electrical firm with $300K in payroll might pay $8,000–$18,000 annually, while larger operations vary significantly. Soma shops multiple specialty carriers to find the most competitive rate for your exact risk profile.
Talk to a Soma specialist for a free consultation and same-day quote.
Partnered with top-rated carriers including Chubb and Liberty Mutual
Recognized for trust, transparency, and ethical business practices
Coverage aligned with OSHA standards for electrical trade contractors
Fill out the form below and a Soma Risk Management specialist will reach out to review your operations, explain your options, and deliver a competitive workers' comp quote — fast, with no obligation.