The risk starts before the first wire is pulled
For large electrical contractors, the first exposure is often contractual. The moment you sign, you may accept liability that was never priced into the job.
As scopes expand into controls, automation, and integrated building systems, the claim profile changes. A single error can become a major property loss. A delay can become a dispute. A small incident can turn into a large completed operations claim.
Where large electrical firms get hit
• Property damage severity tied to fire, water, and system failures
• Completed operations exposure after commissioning and turnover
• Tools and equipment losses across multiple sites
• Fleet exposure from daily driving, towing, and job site access
• Contract requirements that demand high limits and specific wording
• Compliance requirements that impact eligibility for work on many sites
What a strong large contractor insurance structure includes
• General liability limits aligned to your largest contracts
• Completed operations protection aligned to the work you do
• Tools and equipment coverage that reflects true replacement cost and mobility
• Commercial auto coverage sized for your fleet reality
• Umbrella or excess liability where owner requirements demand it
• Coverage considerations for scope that includes design assist or system specification
Ontario compliance is part of the insurance conversation
Large sites frequently require proof of coverage and compliance before access is granted. If your compliance process is weak, bidding and project onboarding become slower and riskier.
FAQ
**Do electrical contractors need professional type coverage?** If your scope includes design assist, system specification, or commissioning support, you may have exposure that basic liability was not designed to cover.
**Why do large contractor premiums jump after one claim?** Severity and contract profile matter. Large claims can change insurer appetite quickly if your program is not structured to demonstrate strong controls.
**What changes when you work across Canada?** More contracts, more locations, more vehicles, and more certificate requests. Consistency and documentation become critical.
Talk to Boardwalk
If your contracts have grown faster than your limits, you are exposed. Boardwalk helps large Ontario electrical contractors align coverage to contract terms, strengthen compliance workflows, and build stability as you scale across Canada.