Estimated Cost (2026)
Adjust based on your team size
Just me (1)Team (20)
$1340-$1970
Estimated Annual Premium
Monthly Average Breakdown
$131 / mo
Includes General Liability
Industry Risk Profile
Electrical work carries a higher risk of fire and severe property damage, typically requiring higher coverage limits and premiums.
Risk Factor1.8x
Location Factors
- State Base Rate$830
- Portland Multiplier1x
- State Tax Rate5.5%
Local Compliance FAQ
Is General Liability required in Portland?
While Maine law may not mandate it for all businesses, Electricians often need proof of insurance to bid on local commercial projects in Portland.
Why is the rate different here?
Your premium reflects Maine's specific base rate of $830 and a local city multiplier of 1x.
Compare Electrician Insurance in Other Maine Cities
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