Insurance for Electricians Who Prefer Not to Burn the Building Down
Let’s be real: in your line of work, a "bad day at the office" doesn’t mean a paper cut; it means a four-alarm fire or a commercial panel acting like a firework show. At Hood Insurance, we don't treat your business like a generic retail shop. We build insurance for people who work with high-voltage reality every day.
The Washington Licensing Maze
Trying to figure out which license you need in Washington is about as organized as a bird’s nest of unlabeled wires in a 1920s remodel. Here is how the Pack breaks down the "Which Bond do I need?" question:
The Electrical Contractor ($4,000 Bond): This is for the "wires and pliers" crowd. If you only do electrical work and never touch anything else, this is your baseline.
The Specialty Contractor ($15,000 Bond): This is for when you start "crossing the streams."
The General Contractor ($30,000 Bond): This is the big one, and you need it the moment you do two things:
Work in two or more unrelated trades (e.g., you’re doing the electrical, the drywall, and the tile work for a kitchen remodel).
Hire a subcontractor. If you are the one hiring a plumber or a framer to help finish a job, you are legally a General Contractor in the eyes of the state.
Most of the Lynnwood sparks we run with eventually move to the General Contractor registration because it stops them from having to turn down bigger, more profitable projects. The Pack specializes in managing these dual-license headaches, ensuring your bonds and certificates are filed correctly so you can focus on the job instead of worrying about an inspector lurking around your service van.
The Million-Dollar Minimum (And Why $250k is a Trap)
Technically, Washington says you only need $250,000 in liability. In our professional opinion, that’s like trying to stop a forest fire with a squirt gun.
We don’t write policies for electricians below $1,000,000. Why? Because we like you, and we’d like you to stay in business.
The GC Factor: Almost every General Contractor or property manager worth working for will toss your bid in the trash if you don't have a million-dollar policy.
The Cost of "Oops": An electrical fire doesn't stop at $250k.
The Price Gap: Because of carrier minimums, the jump from "barely covered" to "actually protected" usually costs about as much as a couple of bags of wire nuts. We won't let you risk your reputation over a few bucks.
Protecting Your Den and Your Gear
Your tools aren't just hammers and screwdrivers; you’re hauling thousands of dollars in multimeters, thermal cameras, and specialized power tools. If someone decides to "liberate" your gear from your van overnight, standard auto insurance won't help you. We use inland marine coverage to make sure your tools are covered whether they’re in the shop, in the van, or on the job site.
And since your service van is basically a rolling billboard for your business (and a very heavy one at that), we tailor your commercial auto policy to handle the reality of a fully-loaded tradesman vehicle.
Why Run with The Pack?
We aren't some faceless corporate entity in a skyscraper. We’re in Lynnwood. When you need a Certificate of Insurance (COI) to get on a job site tomorrow morning, you don’t want to wait for a 1-800 number to open in another time zone. We get your paperwork moving fast, because if you’re stuck waiting on us, you aren't making money.
If things go sideways, you don’t call a generic claims center. You call the Pack. We handle the advocacy and the fine print so you can get back to keeping the lights on.
Serving the Pacific Northwest
Based in Lynnwood, WA, the Hood Insurance Agency proudly protects electricians in Edmonds, Everett, Seattle, Shoreline, Bellevue, and across the entire State of Washington.