How do I verify a electrician's insurance?
Always request a current Certificate of Insurance (COI) showing general liability and workers' comp. Call the insurer directly to confirm. No proof = no job.
What coverage to require
General liability ($1M minimum), workers' comp (covers injuries on your property), and for vehicle-based electricians, commercial auto coverage. Lower limits mean you absorb the gap.
How to verify the COI
Ask for a current Certificate of Insurance naming you as additional insured. Call the insurance broker listed on the COI to confirm — fake COIs are surprisingly common.
Red flags
Hesitation to share a COI, an expired effective date, low coverage limits, or a "policy" issued by an unrecognized carrier. Walk away in any of these cases.
Fixxy's verification process
Every Fixxy electrician uploads a current COI during onboarding, and our team reviews coverage limits before activating their profile.
Frequently asked questions
What if a worker is injured on my property?
Without workers' comp, you (and your homeowner's policy) could be liable. Always require it.
Is general liability enough?
For solo electricians with no employees, sometimes. For any team-based electrician, workers' comp is mandatory.
Can I rely on the electrician's word?
Never. Always see paper proof — and verify with the insurer.
Keep reading
What it costs
Before you call a pro
Common problems
- Light Switch Not Working
- Electrical Outlet Not Working
- Circuit Breaker Keeps Tripping
- Lights Flickering in House
Questions answered
- How do I find licensed electricians?
- What are common electrical problems in homes?
- How much does a electrician cost?
- How do I find a reliable electrician?