Core coverages in this program
- •General Liability with products-completed operations
- •Workers' Compensation
- •Commercial Auto & Hired/Non-Owned Auto
- •Inland Marine (tools, testing gear, installation floater)
- •Errors & Omissions for design-build work
- •Commercial Umbrella / Excess Liability
Texas requirements for electrician businesses
TDLR licenses Texas electrical contractors, and a licensed Master Electrician must be on the license. TDLR requires proof of general liability with minimum limits of $300,000 per occurrence for electrical contractors — most commercial contracts push that to $1M/$2M.
Workers' compensation in Texas
Texas is the only state where private workers' compensation is optional. Going bare as a 'non-subscriber' removes the exclusive-remedy protection, which is why nearly every general contractor, landlord, and municipality requires subscription anyway. Rates are developed through TDI-approved carriers using NCCI class codes, and electrician payroll typically rates at $3.50 to $9 per $100 of payroll for inside wiring class codes, with line and high-voltage work rating substantially higher. Non-subscriber status must be reported to the Texas Department of Insurance annually and posted for employees. Most contracts override the choice — read the insurance exhibit before deciding to opt out.
What Texas operators actually pay in 2026
The ranges below reflect what KTL clients in Texas pay today for a small-to-midsize operation, adjusted for Texas rating. Your actual premium turns on payroll, revenue, loss history, and — more than anything — whether the risk was classified correctly to begin with.
| Coverage | What it covers | Typical TX annual cost |
|---|---|---|
| General Liability | $1M/$2M, residential & commercial service | $1,000 – $3,400 |
| Tools & Equipment | Testing gear, benders, lifts | $350 – $1,300 |
| Commercial Auto | Per service van | $1,450 – $3,000 |
| Installation Floater | Materials in transit and on site | $350 – $1,350 |
| Umbrella | $1M–$5M excess | $750 – $2,700 |
The Texas angle most brokers miss
TDLR's own liability minimum is low enough to be dangerous. Carrying the statutory $300K only, then signing a $1M contract, leaves you personally exposed for the gap.
Exposures we underwrite for Texas accounts
Every submission we send out is built around the specific ways businesses in this class actually have claims. That is what separates a benchmarked program from a rate quote.
- •Fire loss traced to faulty wiring years after completion
- •Arc-flash and electrocution injuries to crew
- •Damage to a building owner's equipment during energization
- •Panel and service upgrades that fail inspection
- •Design-build responsibility creating professional liability exposure
Where we write in Texas
We serve Texas clients remotely by phone, email, and video — no office visit required — with concentrations in Houston, Dallas–Fort Worth, Austin, San Antonio, El Paso. New business, renewals, mid-term changes, and certificates are all handled directly by a licensed advisor rather than a call center.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.