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Electrician Insurance
You've got the skills to wire anything, but one loose connection or faulty panel can burn down a house and destroy your business. Electrician insurance covers your liability, protects your tools, and gives you the certificates you need to win jobs in Mississauga, Ontario, and across Canada.
$2M+
Liability Limits
24/7
Claims Support
$50K+
Tools Coverage
15+
Years Experience
Electrical Contractor Coverage
What is Electrician Insurance?
Electrician insurance is a specialized commercial insurance package designed for electrical contractors, protecting against liability claims, tool theft, and job site risks common in the electrical trade.
Why Electricians in Ontario Need Insurance
Electrical work is inherently high-risk. A single wiring error can cause fires, property damage, or injuries—leading to claims that can devastate an uninsured business. In Mississauga and across Ontario, most general contractors and property managers require electricians to carry minimum $2 million CGL coverage before stepping on site.
Beyond contract requirements, electrician insurance provides essential protection for:
- Fire damage claims resulting from electrical faults or faulty installations
- Property damage to client homes, businesses, or commercial buildings
- Third-party injuries at job sites or client properties
- Tool and equipment theft from vehicles or job sites
- Legal defense costs for lawsuits and liability claims
ESA/ECRA Requirements in Ontario
In Ontario, electrical contractors must be licensed through the Electrical Safety Authority (ESA) under ECRA regulations. While insurance isn't an ESA licensing requirement, it's essential for winning contracts and protecting your business from the significant liability exposure that electrical work creates.
Complete Coverage
What Does Electrician Insurance Cover?
Protection built for electrical contractors, covering liability claims, tool theft, and everything in between. Boardwalk structures coverage around your scope, revenue, and job types.
Built For Electricians
Who Needs Electrician Insurance in Ontario?
Whether you're a solo electrician or run a crew, insurance protects your business and helps you win contracts.
Independent Electricians
Self-employed licensed electricians doing residential service calls, renovations, and small commercial jobs in Mississauga and surrounding areas.
Electrical Contracting Companies
Established firms with employees handling commercial, industrial, and large residential electrical projects across Ontario.
Residential Electricians
Electricians specializing in home wiring, panel upgrades, renovations, and new construction residential projects.
Commercial & Industrial Electricians
Electricians working on office buildings, retail spaces, factories, and industrial facilities with higher liability requirements.
Solar & EV Charger Installers
Electricians specializing in solar panel installations, EV charging stations, and renewable energy systems.
Electrical Subcontractors
Electricians working as subcontractors on construction projects who need certificates of insurance for general contractors.
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Know Your Risks
Common Electrician Insurance Claims
Electrical work creates unique liability exposure. These are the claim scenarios electricians deal with most often.
Fire Damage Claims
Electrical faults are a leading cause of structure fires. One wiring error can lead to significant property damage and liability claims.
Example: A loose connection in a panel causes a fire three months after installation, damaging a client's home and triggering a $150,000 claim.
Electrical Shock & Injury
Third-party injuries from electrical work can result in serious liability claims, especially if someone is shocked or electrocuted.
Example: A homeowner receives an electrical shock from an improperly grounded outlet, resulting in medical bills and a liability claim.
Property Damage During Work
Accidental damage to walls, ceilings, flooring, or client property during electrical installations and repairs.
Example: While fishing wire through a wall, you accidentally damage water pipes, causing flooding and $20,000 in water damage.
Tool & Equipment Theft
Electricians carry expensive tools, meters, and equipment that are frequent targets for theft from vehicles and job sites.
Example: Your van is broken into overnight and $15,000 worth of tools, meters, and equipment is stolen.
Completed Operations Claims
Claims that arise after you've finished the job—electrical issues may not manifest until weeks or months later.
Example: A breaker panel you installed fails 6 months later, causing equipment damage to a commercial client's server room.
Code Violation Disputes
Allegations that electrical work doesn't meet code requirements, leading to rework costs and potential liability.
Example: A building inspector fails your installation, requiring expensive rework and delaying the client's project.
Simple Process
How to Get Electrician Insurance
Get covered in three simple steps. We'll match you with the right coverage for your electrical business.
1
Request a Quote
Tell us about your electrical business—your trade scope, annual revenue, number of employees, and types of jobs you take on.
2
Compare Options
We shop multiple Canadian insurers to find competitive rates and coverage that meets your contract requirements.
3
Get Your Certificate
Purchase coverage and receive your certificate of insurance quickly—often same-day—so you can get on job sites fast.
Get Answers
Electrician Insurance FAQs
Common questions about electrician insurance coverage in Ontario answered.
Electrician insurance premiums in Ontario typically range from $800 to $3,000+ per year depending on your revenue, job types, number of employees, and coverage limits. Residential electricians often pay less than commercial or industrial electrical contractors. Factors like claims history, years in business, and subcontractor use also affect pricing. Contact us for a personalized quote based on your specific situation.
Electricians in Canada typically need: Commercial General Liability (CGL) for third-party injury and property damage claims (most contracts require minimum $2 million), Tools & Equipment coverage for theft and damage, and Commercial Auto insurance if using work vehicles. Depending on your scope, you may also need Professional Liability (E&O), Umbrella coverage for larger contracts, and equipment breakdown coverage.
While electrician insurance may not be legally mandated in Ontario, it's effectively required to operate professionally. Most general contractors, property managers, construction sites, and commercial clients require proof of insurance (typically $2M CGL minimum) before allowing electricians to work. Without insurance, you'll lose contracts and face significant financial risk from potential claims.
Yes, Commercial General Liability insurance for electricians typically covers fire damage claims resulting from your work, including faulty wiring, improper installations, or electrical defects. This coverage extends to completed operations, meaning you're protected even after you leave the job site if a fire occurs later due to your work. This is crucial coverage given that electrical faults are a leading cause of structure fires.
At Boardwalk Insurance, we can often issue certificates of insurance the same day or next business day once your policy is bound. This helps electricians meet tight job site deadlines and general contractor requirements quickly. If you need a certificate naming a specific additional insured, let us know and we'll coordinate with the insurer to get it issued as fast as possible.
Completed operations coverage protects electricians against claims that arise after you've finished a job and left the site. For electrical work, this is especially important because issues like faulty wiring, loose connections, or panel defects may not cause problems until weeks or months later. This coverage is typically included in your CGL policy and protects you from claims that occur after project completion.
Yes, even for residential electrical work, insurance is essential. Homeowners increasingly ask for proof of insurance before hiring electricians, and many property managers and strata councils require it. Residential work still carries significant liability exposure—a wiring fault in a home can cause fires, injuries, and major property damage claims that could financially devastate an uninsured electrician.
It depends on your policy. Generally, your CGL may provide some protection if a subcontractor's work results in a claim, but the subcontractor should carry their own insurance. Best practice is to require certificates of insurance from all subcontractors before they start work, and verify their coverage meets your contract requirements. We can help you understand your policy's subcontractor provisions.
Get Electrician Insurance That Wins Jobs
Fast quotes, compliant certificates, and coverage designed for electrical contractors in Mississauga and across Canada. Across Canada
Why Boardwalk Insurance
Competitive Insurance Rates
Access to multiple A-rated carriers means better pricing and coverage options for Mississauga businesses
Quick Quote Turnaround
Get insurance quotes fast with same-day response and coverage when your business needs it most
Claims Support & Advocacy
We advocate for you throughout the entire insurance claims process — your success is our priority
