Trade × state guide
Insurance for electrical contractors in Texas.
In Texas, electrical contractors usually need general liability. On workers' compensation, Texas's rule is: Workers' comp is generally optional for private employers (Texas is the only state where private-sector employers may opt out).[S]Texas workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Texas.
- Non-subscriber employers face expanded employer liability — confirm before advising clients
- Electrical and some trades require state licensing; many trades licensed locally
§ 02
Required cover
Coverage electrical contractors typically need.
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