INSURANCE AND RISK PROGRAMS FOR ELECTRICAL CONTRACTORS

America's Premier

Insurance Program

Built Exclusively

for Electrical

Contractors.

Joule Pro is a specialty program from Fusco Orsini & Associates — purpose-built coverage, in-house claims advocacy, and risk engineering written around how electrical contractors actually work.

★★★★★ 150+ Five-Star Reviews · Google & Facebook

Specialty Program  — Electrical Contractors Only

In-House Claims & Risk Engineering

Backed by Fusco Orsini  · Licensed in 50 States

A Fusco Orsini Program

Premium Placed

$420M+

Est. 2009

About Joule Pro

An Insurance Program Built Around the Electrical Contractor Trade.

We don't sell electrical contractors generic contractor insurance. Joule Pro was designed from the ground up around the exposures, jobsites, and revenue mix of licensed electrical firms — from service shops to $200M industrial primes. 

Most insurance programs treat electrical contractors as just another line item under "trade contractor." We don't.

Joule Pro places coverage with a curated panel of carriers who understand voltage. We negotiate forms — pollution, completed operations, professional liability, builder's risk — using language that reflects how electrical work is actually performed and billed.

Every policy we bind is supported by an in-house claims advocate and a risk engineer with field experience in industrial and commercial electrical environments. The result is a program where renewals don't come with surprises and claims don't become a second job.

About Joule Pro

01

Specialty-only. We write electrical contractors and adjacent low-voltage trades — nothing else.

02

Carrier panel. 14 admitted & surplus markets curated for electrical risk.

03

Claims advocacy. A dedicated claims team that represents you, not the carrier.

04

National footprint. Licensed in all 50 states; staffed across four regional desks.

$420M+

Premium placed for electrical contractors

50

U.S. states & territories licensed

28+

Years inside the electrical trade

The Joule Pro Difference

Why Electrical Contractors Choose Joule Pro.

Five reasons our retention rate is north of 94% — and why most clients come to us by referral from another electrical contractor.

01

Electrical-Only Specialization

We write one trade. Every form, every endorsement, every policy review is shaped by it.

02

In-House Claims Advocacy

Dedicated claims advocates who represent your interests — not the carrier's adjuster.

03

Risk Engineering for Electrical Work

Field-grade risk programs built around lockout/tagout, arc flash, and energized-work exposures.

04

Specialty Carrier Access

Curated panel of 14 admitted & surplus markets that price electrical risk fairly.

05

Backed by Fusco Orsini

Three decades of broker infrastructure, carrier relationships, and balance-sheet stability.

Program Review

Built for Electrical.
Backed by Fusco Orsini.

The People Behind the Program

Meet the Joule Pro Team.

Brokers, claims advocates, and risk engineers who came up working alongside electrical contractors. No call-center reps, no churn.

Founder & CEO

The Force Behind the Program

Meet Michael Fusco.

CIC

Agency Principal · CEO & Co-Founder  ·

Fusco Orsini & Associates

Joule Pro exists because Mike Fusco saw electrical contractors getting boilerplate insurance — and built a program designed for the way the trade actually works.

Mike is the CEO and co-founder of Fusco Orsini & Associates, the San Diego–based independent agency he launched in 2010. Under his leadership FOA has grown into a nationwide partner serving clients across 31 states, with a personal, client-first approach to commercial insurance and risk.

With over 20 years in insurance and risk management, he specializes in tailored programs spanning general liability, workers' compensation, surety bonding, and employee benefits — helping owners confidently manage risk and pursue growth.

Mike holds a B.S. in Business from the University of Maryland — Robert H. Smith School of Business, and the Certified Insurance Counselor (CIC) designation, held by fewer than 3% of insurance professionals nationwide.

20+

Years in insurance & risk management

31

U.S. states served by FOA

<3%

Hold the CIC designation nationwide

What Our Clients Say

Trusted by Electrical Contractors Across the Country.

5.0

★★★★★

Google reviews

Core Commercial Coverage

Business Insurance for Electrical Contractors.

The fundamentals — written, structured, and priced for electrical risk. Each line is reviewed annually by an underwriter who only writes our trade.

01

General Liability

Premises & completed-operations coverage with electrical-specific endorsements and full pollution carve-back options.

02

Workers' Compensation

Class-code optimization, experience-mod review, and return-to-work programs designed for energized-work exposures.

03

Commercial Auto

Fleet, hired & non-owned auto, and tools-in-transit coverage written for service vans and bucket trucks.

04

Tools & Equipment

Scheduled and blanket coverage for tools, test equipment, scissor lifts, and contractor's equipment on-site or in-transit.

05

Surety Bonds

Bid, performance, and payment bonds — single-job and aggregate programs for commercial & public-works contracts.

06

Commercial Property

Layered limits up to $50M with carrier panels covering your shop, warehouse, yard, and on-premises tools, materials, and equipment.

How It Works

The Joule Pro Process.

Most clients complete this in 14–21 days. Mid-term moves can be expedited.

Most clients complete this in 14–21 days. Mid-term moves can be expedited.

Discovery Call

30 minutes with a specialist. We map your revenue, jobsite mix, payroll, and current carriers.

Risk Review

A risk engineer reviews loss runs, safety programs, and exposures. You receive a written gap analysis.

Program Build

We market to our specialty carrier panel and present a stacked program — coverage, limits, premium, retentions.

Bind & Onboard

Bind the program, onboard with your dedicated claims advocate, and schedule your first risk-engineering visit.

Who We Serve

Electrical Contractors We Specialize In.

From $5M service shops to $250M industrial primes — every Joule Pro program is shaped to the contractor's revenue mix and project profile.

01 / Industrial

Commercial & Industrial Electrical Contractors

High-voltage, substation, and plant electrical work. Pollution, builder's risk, and large-deductible WC programs.

02 / Service

Service & Residential Electrical Contractors

Service-call shops, panel upgrades, and EV charging installers. Auto-fleet, GL, and tool-coverage programs.

03 / Low-Voltage

Specialty & Low-Voltage Contractors

Data, fire-alarm, security, and BMS controls. Cyber, professional liability, and follow-form excess.

Frequently Asked Questions

Common

Questions From

Electrical Contractors.

  • What size electrical contractors do you write?

    Joule Pro is built for licensed electrical firms from roughly $2M in revenue to $250M+. Below $2M we typically refer to our small-business desk; above $250M we underwrite individually with our industrial practice team.

  • Do I need to be licensed in multiple states?

    No. We license you wherever you work. Joule Pro is admitted in all 50 states and our compliance team handles multi-state filings, prevailing-wage endorsements, and certificate-of-insurance requirements.

  • How is Joule Pro different from a generic contractor program?

    Generic programs use a contractor's questionnaire that treats you like a roofer. We use forms written for energized work, arc-flash exposures, and design-build risk — and our carriers price accordingly.

  • What does the claims process actually look like?

    Every Joule Pro client is assigned a named claims advocate at bind. They take the FNOL, set strategy with your assigned attorney, and serve as your single point of contact through close.

  • Can you bond large public-works contracts?

    Yes. Through our surety partners we write single-job bonds up to $75M and aggregate programs to $300M, with expedited turnarounds for school district, federal, and DOT work.

  • What happens at renewal?

    Your producer and claims advocate jointly run a renewal review 90 days out — covering loss trends, exposure changes, and market alternatives — so renewal day is a confirmation, not a surprise.

From the Blog

Insights for Electrical Contractors.

Risk briefings, claim post-mortems, and program updates — written by our underwriters and risk engineers.

Electrician Insurance Renewal Checklist: What to Review Before Your Policy Renews

Electrician Insurance Renewal Checklist: What to Review Before Your Policy Renews

4 June 2026
Use this electrician insurance renewal checklist to review coverage, update payroll, assess risks, and avoid costly gaps before renewal.
Adding Additional Insureds to an Electrician's GL Policy: When and How

Adding Additional Insureds to an Electrician's GL Policy: When and How

4 June 2026
Learn when and how to add additional insureds to your electrician GL policy, avoid coverage gaps, and meet contract requirements with confidence.
What's Not Covered: The Top Electrician Insurance Exclusions to Watch For

What's Not Covered: The Top Electrician Insurance Exclusions to Watch For

4 June 2026
Learn the top electrician insurance exclusions, common coverage gaps, and how to avoid costly claim denials that could put your business at risk.

Get Started

Get a Quote on a Program Built Around Your Trade.

A 30-minute discovery call is the only commitment. You'll leave with a written gap analysis of your current program — yours to keep, whether you bind with us or not.

Contact Us