For electrical contractors in Wilson, Rutherford and Davidson counties
Insurance for Electricians in Mt. Juliet and Middle Tennessee
Hi, I’m Dustin Rodgers. From panel upgrades in new subdivisions to service calls across Nashville, electrical work carries real responsibility. I’d like to help you protect your business, your crew and your trucks. Call us, or request a quote below.
Local help for local trades
Talk with a real person on Providence Pkwy about your electrical business.
The short answer
What insurance does an electrical contractor in Tennessee need?
Most electrical contractors in Tennessee look at general liability, workers’ compensation, commercial auto, and tools and equipment coverage, plus any bonds a license, permit or contract calls for. Tennessee construction employers with even one employee generally must carry workers’ comp. The right mix depends on your work, your crew and your contracts.
Whether you’re a solo electrician doing service work or you run crews on commercial jobs, we’ll sit down with you, listen to how your business actually works, and explain your options in plain language. No jargon and no pressure.
Coverage
What coverage can we help your electrical business with?
We can help you look at general liability, workers’ comp, commercial auto, tools and equipment (inland marine), contractor and permit bonds, commercial umbrella, and questions about fire and completed work. Which coverages are available depends on carrier eligibility and underwriting, and every policy has its own limits, exclusions and terms. We’ll go over what applies to your business before you decide anything.
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General liability
Can help pay for claims that your work injured someone or damaged their property, like drywall damaged while fishing wire. Many general contractors, property managers and the state licensing board ask for proof of it.
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Workers’ compensation
Can help pay medical bills and part of lost wages if an employee is hurt on the job, like a fall from a ladder or an electrical shock. In Tennessee, construction employers with one or more employees generally must carry it.
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Commercial auto
For the vans, pickups and bucket trucks that carry your crew and materials around Middle Tennessee. Personal auto policies often limit coverage for business vehicles, so let’s make sure yours are set up the right way.
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Tools and equipment (inland marine)
Can help protect tools and equipment that travel from job to job, like wire pullers, benders, testers, lifts and ladders, against covered theft or damage.
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Contractor, license and permit bonds
License, permit and contract bonds that some cities, counties and project owners require.
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Commercial umbrella
Extra liability limits above your general liability, auto and employer’s liability, for when a contract or a bigger job asks for higher limits.
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Your shop and business property
If you have a shop or warehouse, property coverage or a business owner’s policy can help protect the building contents, wire and parts inventory, and office equipment.
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Fire and completed work
Ask how your policy handles fire or property damage traced back to wiring you installed, including after the job is finished (completed operations).
Which coverages are available depends on carrier eligibility and underwriting, and every policy has its own limits, exclusions and terms. We’ll go over what applies to your business before you decide anything.
Workers’ comp in Tennessee
Do I need workers’ comp in Tennessee?
Sources: Tennessee Bureau of Workers’ Compensation: Construction · Tennessee Bureau of Workers’ Compensation: Exemptions and Exemption Registry
- Construction businesses: one employee or moreTennessee construction employers with one or more employees must carry workers’ comp, including part-time, seasonal and family workers. Office staff count too.
- Other businesses: five employees or moreBusinesses outside construction generally need workers’ comp once they have five or more employees.
- Owners can apply for an exemptionOwners of construction businesses must cover themselves unless they qualify for and register an exemption with the state’s Workers’ Compensation Exemption Registry. Exemptions last two years and only cover the owner, never the employees.
- A 1099 doesn’t settle itThe state looks at how the work is controlled, not just how someone is paid. A worker you pay on a 1099 may still count as an employee.
Know your risks
What risks come with electrical work?
Fire after a job, shock and fall injuries, damage to a customer’s property, and stolen tools are some of the most common worries we hear from electricians. Policies handle these differently, so it’s worth knowing how yours responds before a claim comes up.
- An electrical fire after the jobA loose connection can cause a fire months later. Ask how products and completed operations coverage applies to work you’ve finished.
- Shock and arc flash injuriesInjuries to your employees generally fall under workers’ comp. Injuries to customers or other trades can fall under general liability.
- Ladders, lifts and atticsFalls are a real job hazard. Workers’ comp is built for employee injuries on the job.
- Damage to a customer’s propertyA surge during a panel swap or a ceiling damaged while running wire can lead to a claim. Ask how your policy treats property in your care.
- Generators, EV chargers and solarIf you install generators, EV chargers or solar, tell us. Some policies treat that work differently.
Licensing, insurance and bonds
Tennessee licensing, insurance and bonds for electricians
In Tennessee, electrical projects of $25,000 or more need a contractor’s license with an electrical classification from the Board for Licensing Contractors, and the Board asks for proof of general liability and workers’ comp. Smaller jobs may need a Limited Licensed Electrician license or a local license.
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$25,000 and up
Projects of $25,000 or more require a Tennessee contractor’s license with an electrical (CE) classification. Prime contractors and subcontractors both need to be licensed to perform electrical work.
Source: Tennessee Board for Licensing Contractors: Contractor license · Tennessee Contractor Classification Outline
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Under $25,000
A Limited Licensed Electrician (LLE) license is required where the city or county uses the state Fire Marshal’s office for permits and inspections. Many local governments have their own licensing, so check with the local codes office first.
Source: Tennessee Board for Licensing Contractors: Limited Licensed Electrician (LLE) · Tennessee Contractor Classification Outline
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Proof of insurance
When you apply for or renew a contractor’s license, the Board asks for a certificate of insurance for general liability, with the Board listed as certificate holder, and proof of workers’ comp or an exemption. The minimum general liability limit is tied to your license’s monetary limit.
Source: Tennessee Board for Licensing Contractors: Insurance Resource Information for Licensees
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New in 2026: surety bond option
Beginning July 1, 2026, contractors can submit a Contractors’ Surety Bond of at least 50% of the requested monetary limit instead of a reviewed or audited financial statement. Ask us about bond options.
Source: Tennessee Board for Licensing Contractors: Contractor license
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Alarm and low-voltage work
Alarm, security and low-voltage work have their own classifications, like CE-D and CE-J, and separate alarm-system regulation may also apply.
We’re an insurance agency, not a licensing office. Rules change, and cities and counties can add their own, so always confirm current requirements with the Board for Licensing Contractors and your local codes office.
Certificates of insurance
Need a certificate of insurance for a job?
General contractors, property managers, HOAs and permit offices often want a certificate of insurance before you start. Call us at 615-562-5100 with the certificate holder’s name and address and what they’re asking for. When your policy is in place and your request comes in during office hours, we’ll work to get your certificate to you as quickly as we can.
A certificate only shows the coverage your policy already has. It can’t add coverage or change your policy. Additional insured, waiver of subrogation and primary and noncontributory requests depend on your policy’s terms, so send those to us early and we’ll tell you what’s possible.
What to have ready when you call
- The certificate holder: Their full legal name and mailing address.
- The job: The project name or address, if they want it listed.
- Their requirements: The insurance page of the contract, or the list of limits and endorsements they asked for.
Areas we serve
Where do we work with electricians?
Our only office is in Mt. Juliet, and we work with businesses in Mt. Juliet, Lebanon, Watertown, Hermitage, Old Hickory, Nashville, Gallatin, Hendersonville and all of Middle Tennessee, including Murfreesboro, Smyrna and La Vergne.
- Wilson CountyMt. Juliet, Lebanon and WatertownHome of our office on Providence Pkwy.
- Davidson CountyHermitage, Old Hickory, Donelson and NashvilleWest on I-40 and Lebanon Rd.
- Rutherford CountyMurfreesboro, Smyrna and La VergneSouth on I-840 and I-24.
- Sumner CountyGallatin and HendersonvilleNorth across Old Hickory Lake.
- All of Middle TennesseeMiddle TennesseeAnywhere in Middle Tennessee. Most of what you need can be handled by phone and email, and you’re always welcome at the office.
Our office sits on Providence Pkwy, just off I-40 in Mt. Juliet. A lot of our neighbors in the trades spend the day on I-40 and Lebanon Rd heading toward Hermitage, Donelson and Nashville, or on I-840 and I-24 down to Murfreesboro, Smyrna and La Vergne. Wherever the work takes you, you can call one local office for your business coverage. One local detail worth knowing: Davidson and Rutherford are on the state’s list of counties that require a Home Improvement license for remodeling projects from $3,000 to under $25,000, and that license comes with a $10,000 bond or letter of credit requirement.
Getting started
How does getting a quote work?
Call or request a quote
Call 615-562-5100 or use the form below. Tell us what kind of work you do and who you work for.
We talk it through
We’ll ask about your crew, vehicles, equipment, contracts and any licensing or permit requirements, and explain your options in plain language.
You decide
We’ll go over the coverage options available to you, what each one does and what it costs, so you can choose what fits. No pressure.
Your agent
Meet Dustin Rodgers
I’m Dustin Rodgers, and I run Rodgers Insurance Agency from our office on Providence Pkwy in Mt. Juliet. I grew up in Middle Tennessee, and a lot of the people I work with are small business owners who build, fix and maintain this area for a living. I’ve been in the insurance business since March 2011.
When you call, you’ll talk with me or someone on my team who knows your file. We’ll listen to how your business actually runs, explain things in plain language, and be here when you need a certificate, a policy change or help with a claim.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Frequently Asked Questions
Updated
Do electricians in Tennessee need workers’ compensation insurance?
Generally, yes, if you have even one employee. Tennessee construction employers with one or more employees must carry workers’ comp, including for part-time and family workers. Eligible owners can apply to exempt themselves through the state’s exemption registry, but employees still have to be covered.
What does general liability cover for an electrician?
General liability can help pay for claims that your work injured someone or damaged their property, like a customer’s ceiling damaged while running wire. It generally doesn’t cover your own tools, your employees’ injuries or your vehicles. Limits, exclusions and terms vary by policy.
Am I covered if a fire starts after I finish a job?
It depends on your policy. Many general liability policies include products and completed operations coverage, which can respond to injury or damage that happens after your work is finished. Limits, exclusions and terms vary, so let’s look at what your policy says about completed work before a claim ever comes up.
Is an employee’s shock or fall from a ladder covered?
Injuries to your employees are generally handled by workers’ compensation, not general liability. Workers’ comp can help pay medical bills and part of lost wages for a covered work injury. Tennessee construction employers with one or more employees generally must carry it, so let’s make sure your policy matches your crew.
How fast can I get a certificate of insurance?
Call 615-562-5100 with the certificate holder’s details. When your policy is in place and the request comes in during office hours, we’ll work to get it to you as quickly as we can. A certificate can only show coverage your policy already has, and additional insured requests depend on your policy’s terms.
Does my personal auto policy cover my work truck?
Often, no. Personal auto policies commonly limit or exclude vehicles used mainly for business, especially trucks and vans that carry tools, materials and employees. A commercial auto policy is built for that. Tell us how you use each vehicle and who drives it, and we’ll help you sort out what fits.
Are my tools covered if they’re stolen from a job site?
Not by general liability. Tools and equipment that travel with you are usually insured under an inland marine or contractor’s equipment policy, which can help with covered theft or damage. Coverage for tools left in an unattended vehicle may have conditions, so we’ll go over the details with you.
What license do I need for electrical work in Tennessee?
Projects of $25,000 or more need a Tennessee contractor’s license with an electrical classification. Smaller jobs may need a Limited Licensed Electrician license where the state Fire Marshal handles permits, or a local license where the city or county does its own. Check with the local codes office before you pull permits.
Do you only work with electricians in Mt. Juliet?
No. Our office is on Providence Pkwy in Mt. Juliet, but we work with electrical contractors across Wilson, Rutherford and Davidson counties, including Lebanon, Murfreesboro, Smyrna, La Vergne, Hermitage and Nashville, plus Gallatin, Hendersonville and the rest of Middle Tennessee.
What do I need for an electrical contractor insurance quote?
It helps to have your business name and structure, your license type and number, the kind of work you do, yearly revenue and payroll, how many employees and vehicles you have, and your current policies if you have them. Then call 615-562-5100 or use the form below.
Request a business insurance quote
Tell us a little about your business, and we’ll call you back during business hours. Prefer to talk now? Call 615-562-5100.
It helps to have your business name and structure, your license type and number, the kind of work you do, yearly revenue and payroll, how many employees and vehicles you have, and your current policies if you have them.
Stop By or Call Our Mt. Juliet Office
Have a job starting soon, a contract that asks for certain coverage, or just a question? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed