Texas License #3365362 | NPN License #21655529

Yes — especially in Texas. While the state doesn’t mandate insurance, the market does. You won’t get far without proof of General Liability and a Contractor’s Bond. Most GCs, cities, counties, and even homeowners want to see $1 million in liability coverage and a valid COI before they’ll hand you a job, approve your permit, or issue payment. One accident — even a burned outlet or broken tile — and you’re personally on the hook.

Even if you’re solo, one claim can wipe out your savings. Insurance isn’t just protection — in Texas, it’s permission to play.

Yes — and here’s why:

• General Liability covers your business if you damage someone’s property, cause a fire, or a customer gets hurt due to your work.
  
• A Contractor’s Bond is a financial guarantee that protects your client or municipality if you fail to complete a job or violate a permit/code requirement.
  
  

In Texas, many cities and counties require a bond (usually $5,000–$25,000) to maintain your electrical license or pull permits. They’re two totally different protections — and you need both to operate with credibility.

You need Inland Marine coverage — also known as Tools & Equipment Insurance. Your General Liability policy does not cover tool theft, damage, or loss. That means if your truck is broken into in a Home Depot parking lot, you’ll be out every dollar unless you have Inland Marine.

This coverage protects:

• Hand tools
  
• Power tools
  
• Testers, ladders, toolboxes
  
• Generators, job-specific rigs, and more
  
  

Whether your gear is in a van, trailer, storage unit, or jobsite lockbox — it’s covered. In Texas, where tool theft is a real epidemic, this is one policy you can’t afford to skip.

Not legally — but you’re still wide open to liability.

Texas doesn’t require Workers’ Comp, but if one of your 1099s falls off a ladder, you can still be sued as the responsible contractor. Courts often rule in favor of injured workers, regardless of their tax classification. If you directed the work, provided tools, or had a foreman on site — you’re probably liable.

The smart move? Carry Workers’ Comp or Occupational Accident Insurance to cover injury claims and protect yourself from devastating lawsuits. It’s not about what’s “required” — it’s about what’s worth losing.

You may get by for a bit — but the second something goes wrong, you’re completely exposed. Operating without insurance puts you at risk of:

• Losing your contract mid-job
  
• Being denied permit approvals
  
• Paying out of pocket for property damage, injury, or fire
  
• Being sued personally — and losing everything you’ve built
  
  

Even one missed payment can cause a policy cancellation that leaves you uncovered. That’s why we build auto-renewal safeguards and renewal alerts into every policy.

Usually the same day, sometimes within hours. We specialize in working with electricians who have urgent COI needs — especially when a GC is breathing down their neck or a contract requires fast compliance.

Need Additional Insured, Waiver of Subrogation, or jobsite-specific language? We’ll get it formatted and filed immediately. No hold lines. No waiting days. Just done.

The minimum standard is $1M per occurrence / $2M aggregate, but many commercial jobs, municipalities, and schools require $2M/$4M or higher. If you’re scaling up — hiring crews, taking on generator or solar installs, or bidding larger contracts — we often recommend pairing your base policy with an Umbrella policy to extend your limits without driving up your core premium. However, these are estimates and  every policy is unique.

We’ll assess what’s required vs. what’s strategic for the jobs you want.

Absolutely. We insure first-time licensees and new contractors every day. You don’t need payroll history, employee rosters, or years of experience to get covered.

We’ll set you up with:

• General Liability
  
• A Contractor’s Bond (if required by your city)
  
• Optional Tool and Vehicle Coverage
  
• Same-day COIs for your first job
  
  

Our goal is to help you start clean, stay protected, and build credibility fast.

Yes — or at least an enhanced one.

Texas electricians doing solar arrays, battery backups, EV charging stations, or smart system installs face unique risks. These include:

• Improper integration with power grids

• Equipment failure
  
• Faulty specs or installs
  
• High-value property damage
  
  

You may need Errors & Omissions (E&O) coverage, installation floaters, or expanded liability limits. If your work includes design, layout, or system programming, it’s critical to protect yourself from more than just wire-related losses.

Cheap quotes usually mean cheap protection. Here’s what’s often missing:

• No coverage for tools or gear
  
• High deductibles that eat your payout
  
• Exclusions for subcontractors or certain job types
  
• No endorsement for solar, EV, or high-risk installs
  
• Low bonding amounts that won’t pass city requirements
  
  

We audit every quote line by line, so you don’t end up with a false sense of security. You’ll know exactly what’s covered, what’s missing, and how to structure the smartest protection for your business — not just your budget.

You need real policies and smart contracts — not handshake deals. To protect yourself:

• Make sure you have Workers’ Comp or Occ Acc in place
  
• Require COIs from every subcontractor you hire
  
• Add “Additional Insured” and “Primary & Noncontributory” language to every sub agreement
  
• Include Contingent Liability in your policy in case a sub’s coverage lapses or fails
  
  

We’ll walk you through the full setup so your business isn’t wiped out by a helper’s bad luck or a missing form.

Yes — and you absolutely should.

Your policy should scale with your business, not lag behind it. Whether you’re:

• Hiring crew members
  
• Taking on public work
  
• Adding new trucks
  
• Expanding your service area
  
  

We’ll update your limits, add endorsements, and issue updated COIs in real time. You’re never stuck in a one-size-fits-all box. We treat your insurance like a power system — modular, upgradeable, and always live.