Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1699-$2499
Estimated Annual Premium
Monthly Average Breakdown
$167 / mo
Includes General Liability
Industry Risk Profile
Electrical work carries a higher risk of fire and severe property damage, typically requiring higher coverage limits and premiums.
Risk Factor1.8x
Location Factors
- State Base Rate$950
- Austin Multiplier1.1x
- State Tax Rate6.3%
Local Compliance FAQ
Is General Liability required in Austin?
While Texas law may not mandate it for all businesses, Electricians often need proof of insurance to bid on local commercial projects in Austin.
Why is the rate different here?
Your premium reflects Texas's specific base rate of $950 and a local city multiplier of 1.1x.
Compare Electrician Insurance in Other Texas Cities
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