The claim arrives after the truck leaves
Most trades worry about what happens on the job. Electricians also have to worry about what happens after — a failed connection, an overloaded panel, a fixture that overheats. Fire claims are the expensive ones in this trade, and they routinely surface months or years past closeout. That makes completed operations coverage the heart of a C-10’s General Liability policy, and it’s the wording GCs look for before they let an electrical sub on site.
Day to day, the risks are more ordinary: a service van in traffic, a $4,000 tester walking off a job site, an apprentice’s ladder injury. The stack below covers all of it — and every policy comes with instant certificates from the portal, because GCs don’t like waiting. Here’s what their COI requests actually mean.
The electrician coverage stack
- General Liability — $1M/$2M with completed operations for the long tail
- Workers’ Compensation — required for every CSLB licensee since 2026
- Commercial Auto — service vans and trucks at contract-required limits
- Inland Marine — testers, benders, wire stock, and power tools in the van
- CSLB license bond — the $25,000 bond your C-10 license requires
- Excess & Umbrella — when commercial contracts ask for $2M+