Electrical Contractor Insurance for Tampa FL
GL, workers' comp, EC license bonds, auto and tools coverage for Tampa electrical contractors, with policy language checked against your real scope of work.
Insurance built for the risks electricians face
A wiring failure can cause a fire long after the job is done, and the work itself carries serious injury risk. We place coverage that answers both.
- Fire liability and property damage from electrical work
- Completed operations for post-job claims
- Workers' comp for electrocution and arc flash injuries
- Same-day Stop-Work Order coverage available
Coverage for Tampa electrical contractors
General Liability
Property damage and fire liability from your work, with completed operations included.
Workers' Compensation
Crew injuries under class code 5190 or 5191, assigned correctly from day one.
EC License Bond
The surety bond your Florida EC license requires, plus any local permit bonds.
Commercial Auto
Coverage for the vans and trucks that carry your crew and materials to jobs.
Tools & Equipment
Protection for the tools and equipment your electrical work depends on.
Umbrella Liability
Extra liability limits on top of your GL and commercial auto policies.
The right bond for your EC license
Florida Certified Electrical Contractors need a surety bond as part of CILB requirements, and local jurisdictions may ask for more.
- CILB surety bond for Florida Certified Electrical Contractors
- Hillsborough County and City of Tampa may require local permit bonds
- We identify your exact bonding requirements
- Bond issuance handled quickly
Risks your electrical program is built for
Some GL policies carry exclusions that limit fire coverage
Pollution or electrical exclusions can leave gaps for certain fire scenarios. We review the policy language so your actual scope of work is covered.
Why Tampa Bay electrical contractors choose FishHawk
Electrical failures can surface weeks or months after a project ends. We verify completed operations coverage for every electrical contractor we insure.
- Independent broker comparing multiple carriers
- Same-day COIs for GCs and new projects
- Stop-Work Order help, with same-day coverage available
- Tampa Bay local, working with electricians across the area
Covered in 3 simple steps
Tell us about your trade
Share your scope of electrical work, crew size, license and contract requirements.
We shop multiple carriers
We assign the right class codes and compare rates and coverage from multiple carriers.
Bind coverage and get your COI
Pick your package, we bind it, and your certificate goes out for your next job.
Frequently asked questions
Does GL cover fire damage caused by faulty electrical work?
Generally yes, but some GL policies contain pollution or electrical exclusions that may limit coverage for certain fire scenarios. FishHawk Insurance Center reviews policy language carefully when placing electrical contractor GL, ensuring your actual scope of work is fully covered.
What workers' comp class code applies to electricians?
Electrical work typically falls under NCCI class codes 5190 (electrical wiring) or 5191 (electrical NOC), depending on the specific scope. Correct class code assignment is important, FishHawk Insurance Center applies your codes accurately from day one.
What bond do I need for my Florida EC license?
Florida Certified Electrical Contractors need a surety bond as part of CILB requirements. Hillsborough County and City of Tampa may require additional local permit bonds. FishHawk Insurance Center identifies your exact bonding requirements and handles issuance quickly.
Do I need completed operations coverage?
Yes. Electrical failures that cause fires or equipment damage often emerge weeks or months after project completion. Completed operations coverage within your GL policy covers post-job claims. FishHawk Insurance Center verifies this for every electrical contractor client.