821,000About 821,000 electrician jobs (2025)Source: BLS OOH: Electricians
7.6fatal injuries per 100,000 workers in 2023, vs 3.5 for all jobsSource: BLS CFOI: Civilian occupations with high fatal work injury rates, 2023
2.2xthe average risk at work, based on the BLS rates
electricians coverage calculator
Your pay, your loans, your work plan. See the gap in 30 seconds.
OpenIf you die on the job
What workers comp, work plans and Social Security pay, and what they don't.
OpenWhy it matters
In 2023, electricians had a fatal injury rate of 7.6 per 100,000 full time workers. The rate for all workers was 3.5.
Some electricians work for a shop. Some run their own. Either way, a policy you own keeps your family covered if your job changes.
- About 7 percent of electricians are self employed and have no employer plan.
- Life insurance from work usually ends when you leave the job. A basic work plan often pays only one or two times your yearly pay.
What an insurer may ask you
Have these ready. Being honest up front gets you a real price and avoids problems at claim time.
- Residential, commercial, or industrial work
- Work at heights
- Work near live circuits
- Do you own the business?
- Health, age, and tobacco use
Common questions
Will being an electrician raise my price?
It might. Insurers look at your job, age, health, and tobacco use.
Is my work plan enough?
A basic work plan often pays one or two times your yearly pay. It usually ends when you leave.
What if I start my own shop?
You lose the work plan. A policy you own stays in place.
Coverage people in this job pick
Term life: The most coverage for the least money, for 10 to 30 years.Mortgage protection: Life insurance sized to your home loan, so the house stays paid.Final expense: Small whole life plans that pay for a funeral and last bills.Does my job change what I pay for life insurance?Is the life insurance from my job enough?How much life insurance do I need?
