Electrician Insurance in Ontario

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Written by Nolan Wilson Updated on October 17, 2025 min read

Find the best rates on insurance for electricians

You might get the shock of your life if something goes wrong on the job and you don't have electrician insurance coverage. All it takes is one mistake or legal issue to put you at risk. A business insurance policy designed specifically for electrical contractors in Ontario will protect you against threats and liabilities. ThinkInsure will help you compare electrician insurance quotes. We’ll find you the lowest premiums and the best coverage. Start a quote online, or call us to compare your options.

Top things to know about electrician insurance

Liability insurance coverage is required for electricians to get their ESA licence.
Basic liability insurance plans can start as low as $500 annually.
Proof ofstrong> insurance can help you secure larger and more lucrative contracts.

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What is electrician insurance?

Electrician insurance is a bundled product specifically for electrical contractors. It provides a series of coverage to protect electricians from financial losses from liability claims, accidents, property damage, bodily injury, and other threats to operations. You can customize your policy to meet the specific needs of your business.

Why do electricians need insurance?

electrician installing wiring in building, electrician insurance

There is always a risk that things could go wrong when working on a job site or when doing business. Accidents happen, and unforeseen circumstances occur. There’s a variety of unknowns electricians face when working. If you’re not protected, it could lead to significant financial loss. Here are other reasons why you need an insurance policy:

Legal protection: Access to legal representation and covering legal fees and settlements if you are sued.
To generate revenue: Having a certificate of insurance (COI) can help secure new customers and contracts.
Trust and reputation: Licenced and insured electricians are more trusted by clients.
Financial protection: You’ll have financial protection if things go wrong.

What are the most common types of on-the-job threats for electricians?

Working with electricity is dangerous by nature. There are many potential risks you need to protect against, such as:

Damage to electrical equipment and systems
Electrical fires
Trip and fall accidents on wiring or other equipment
Faulty electrical work
Shock or electrocution
Stolen tools and equipment
Employee injuries
Lawsuits stemming from business disputes

What types of electrical contractors need insurance?

Any professional working with electrical lines, fibre optic cables, and telecommunications should have insurance coverage. This includes:

Master electricians
Journeyman electricians
Commercial electricians
Residential electricians
Telecommunications and security system installers
Lighting technicians

What does an electrician insurance policy cover?

An electrician's insurance package provides you with coverage in four main areas:

Tools and equipment: Tools of the trade, supplies, and materials at your shop or in work vehicles.
Business property: Your office, shop, and vehicles.
Legal liability: Protection from liability claims, lawsuits, and legal defense costs.
Third-party property damage: Damage caused by your employees to other properties.

Electrician insurance claims examples

Example #1

You are installing new wiring at a commercial facility. Some of the wiring is faulty and causes a small fire in a storage area. The company sues you because of the damage. Your commercial liability coverage will help to cover the costs of repairing the storage area.

Example #2

You come into the shop one morning to find that all 5 of your work trucks have been broken into. All your tools, equipment, and copper wiring have been stolen. Your policy can help cover the cost to replace your lost tools, up to your policy limits.

What coverage do electrician insurance packages include?

electrician with tools by truck near power lines, electrician insurance

Electrician insurance bundles are customizable to meet your specific operations needs. All policies include liability coverage; you can add and adjust policy limits. Here are the types of coverage available:

Commercial general liability insurance: This is the minimum requirement for all electricians' insurance bundles, providing protection against a variety of liability claims and offering financial protection.
Tools and equipment protection: Get protection for loss, damage, or theft of your specialized tools.
Errors and omissions insurance: Mistakes happen on the job. Be protected if you or an employee makes an error.
Installation floater insurance: Protect materials and supplies such as copper wiring, junction boxes, and conduit.
Surety bonds: Ensure you meet requirements to secure new projects.
Commercial property insurance: Protect your shop and storage locations.
Commercial auto insurance: Coverage for your work trucks. Get Fleet insurance if you have multiple vehicles.
Equipment breakdown insurance: Have coverage if your equipment unexpectedly requires repairs.

How much does electrician insurance cost?

For basic liability coverage, your premiums can start at around $500 annually for a $1 million policy. Most electricians have significantly more coverage, which also increases cost. Here are some of the main factors that impact how much you’ll pay for insurance:

Licencing and years in business
Type of electrical services offered
Company size, number of employees, size of your fleet
Plan type and limits
Insurance and claims history
Tools and equipment you want to cover
Annual revenue

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Electrician insurance FAQs

Is insurance coverage legally required for electricians in Ontario?

Electricians are legally required to have a valid insurance policy when applying for an ECRA (Electrical Contractor Registration Agency)/ ESA license.

What is not covered by electricians' insurance packages?

All insurance policies have exclusions. For electricians' coverage, wear and tear on tools, employee theft, faulty workmanship, and work completed by subcontractors are typically not included. Always double-check what is and is not included in your coverage.

Do electricians need professional indemnity insurance?

It is recommended that electricians have indemnity insurance to protect themselves against claims of negligence, errors or omissions when providing services.

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Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

Electrician Insurance

Save on electrician liability insurance in Ontario and protect your company from potential threats.