Electrical Contractor

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Texas Electrical Contractor Insurance


Texas Insurance Place has been helping Business' with their insurance needs for over 20 years.  All your insurance needs in one place:  Business General Liability, Professional Liability, Commercial Property, Commercial Package, Commercial Auto, Workers Compensation and Umbrella or Excess Liability.

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Electrical Contractor Insurance
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Texas Department of Licensing and Regulation Electrical Contractor Insurance

73.40. Insurance Requirements.

(Effective March 1, 2004, 29 TexReg 1653; amended effective October 20, 2005, 30 TexReg 6730; amended effective December 1, 2007, 32 TexReg 8477; amended effective January 1, 2010, 34 TexReg 9433)


(a) Electrical contractors, electrical sign contractors, and residential appliance installation contractors are required to maintain at least the minimum general liability insurance coverages at all times to satisfy proof of financial responsibility.

(1) The insurance must be at least $300,000 per occurrence (combined for property damage and bodily injury);

(2) be at least $600,000 aggregate (total amount the policy will pay for property damage and bodily injury coverage); and

(3) be at least $300,000 aggregate for products and completed operations.

(b) A license applicant or licensee shall file with the department a completed certificate of insurance or other evidence satisfactory to the department when applying for initial and renewal licenses and upon request of the department.

(c) Proof of the required general liability and workers’ compensation insurance can be submitted on an industry standard certificate of insurance form with a 30-day cancellation notice. Workers’ compensation coverage may be established by a certificate of authority to self-insure, or an applicant may state that it has elected not to obtain workers’ compensation coverage.

(d) A licensed contractor shall furnish the name of the insurance carrier, policy number, name, address, and telephone number of the insurance agent with whom the contractor is insured to any customer who requests it.

(e) Insurance must be obtained from an admitted company or an eligible surplus lines carrier, as defined in the Texas Insurance Code, Chapter 981, or other insurance companies that are rated by A.M. Best Company as B+ or higher.

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