Does My Electrician Insurance Cover Arc Flash and Faulty Wiring Claims?

Texas Electricians

You've Got $50,000 Worth of Truck and $25,000 Worth of Tools. Right Now, None of It Is Covered.

Your personal auto policy won't pay a business claim. Your liability policy won't replace a single stolen tool. If you're driving to jobs every day, you've got gaps — and one bad day could cost you everything you've built.

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Why contractors switch to Neill
91.4%
Client retention — they stay because the coverage works
40+
Carriers we shop for your best rate
~20%
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Certificate of insurance when you need it

Three Gaps That Cost Texas Electricians Everything

These are the ones we find in almost every contractor's policy. Most agents never mention them.

Truck Coverage Gap

Your Truck Isn't Covered for Work

Personal auto doesn't cover business use. Every drive to a job site is unprotected. One accident and the claim gets denied — you're paying out of pocket for a $50K truck.

~$50K at risk
Tools Insurance Gap

Your Tools Are Completely Exposed

Your liability policy won't replace a single stolen tool. Wire strippers, conduit benders, meters, power tools — if they're stolen from your truck tonight, insurance pays zero.

~$25K unprotected
Outdated Limits Gap

Your Limits Are from Three Years Ago

Your revenue has grown. Your crew has grown. But your coverage limits haven't changed since you started. A lawsuit today could blow right past them.

Growth Gap

Is This for Me?

If any of these sound familiar, this page was written for you.

Scenario A

"It's Just Me and My Truck"

One truck, maybe an apprentice. You carry $20K+ in tools — meters, benders, power tools — and your personal auto policy "covers everything."

The Risk

Your personal auto insurer will deny any claim that happened while driving to a job. That's every drive you make.

What We Fix

Commercial auto + equipment protection. Usually costs less than you'd guess.

Scenario B

"I've Got 2–4 Trucks and a Crew Now"

You've hired journeymen, added trucks, maybe started bidding commercial panels and build-outs. Your policy hasn't been updated since you started.

The Risk

Outdated limits. Employees driving without proper coverage. One claim and your business is on the line.

What We Fix

Full program review — auto, equipment, liability, workers' comp. Matched to where you are today.

Scenario C

"I Need the Cert to Win This Job"

You bid commercial work. Every general contractor wants a certificate of insurance yesterday before you set foot on site.

The Risk

You're losing jobs because your certificate takes days, or your limits don't meet the GC's minimums.

What We Fix

Certificate sent same day. Limits that meet commercial requirements. Stop losing bids over paperwork.

5 Reasons Texas Electricians Choose Neill

You can buy insurance anywhere. Here's why contractors who know the difference end up here.

1

We Actually Understand Your Business

We know the difference between a residential panel upgrade and a commercial build-out. We don't treat electrical the same as a bakery — because it isn't.

2

We Shop 40+ Carriers So You Don't Have To

A captive agent gives you one option. We shop across more than 40 carriers and show you the best combination of price and protection. Average savings: ~20%.

3

Certificate of Insurance — Same Day

When a general contractor says "send me your cert before Monday or I'm calling someone else," we move. Same day. Not next week.

4

We Tell You What's Not Covered — Before It Matters

Most agents hand you a policy and disappear. We walk through what's protected and what isn't, in plain English. No surprises at claim time.

5

91.4% of Our Clients Don't Leave

Not because we lock anyone in — because once you have an agent who picks up the phone and knows your business, you don't want to go back.

Find Out What You're Missing.
Takes 2 Minutes.

Tell us about your business and we'll show you exactly what's protected and what isn't. No jargon. No runaround. Just a straight answer.

Equipment coverage costs less than you'd expect — most contractors are surprised.
We call you back — usually same day
We shop 40+ carriers for the best rate
Certificate of insurance sent same day

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