Texas Electrician Insurance Guide
Texas Licensed Electrician Insurance Cheat Sheet
One-page reference for Texas licensed electricians — state licensing requirements, what contractors demand on COIs, common coverage gaps, and TDLR & NEC authority links.
What’s in the cheat sheet
- Coverage requirements by license class (Master, Journeyman, Apprentice)
- COI limits — what GCs and property owners typically demand
- 5 gaps that cost Texas electricians money
- TDLR license renewal schedule & continuing education requirements
- Texas-specific rules (non-subscriber WC, TDLR, permit requirements)
- Authority links: TDLR, NECA, IBEW, NEC 2023 Texas adoption
PDF • 1 page • Print-ready
What Texas licensed electricians need to carry
General Liability
$1M/$2M standard. Required on all commercial contracts. Electrical work is a high-risk trade — carriers scrutinize operations closely.
Workers’ Compensation
Texas non-subscriber, but most GCs require it from electrical subs. Critical given arc flash and electrocution exposures.
Commercial Auto
Required if any vehicles carry tools or equipment to job sites. Hired & non-owned auto fills the personal-vehicle gap.
Tools & Equipment
Your GL doesn’t cover your tools. Electrical tools and test equipment are high-value — schedule them or use a blanket floater.
Umbrella / Excess
$1M–$2M over primary. Required on larger commercial and public projects. Often specified in master sub agreements.
Pollution Liability
Some electrical work triggers pollution exposure — generator fuel, transformer oil, underground conduit. Carriers vary on inclusion.
Texas electrician licensing quick reference
Master Electrician
TDLR-licensed. Required to pull permits. Must carry minimum GL limits. Renews every 1 year with 8 hrs CE.
Journeyman Electrician
Must work under a licensed Master. Separate TDLR license required. Renews every 1 year.
Electrical Contractor
Business entity license. Requires a qualifying Master Electrician. GL + WC typically required to maintain license.
Source: TDLR Electrical Program • Texas Occupations Code, Chapter 1305
Related resources & coverage guides
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