MTE Electric Insurance Coverage
MTE Electric maintains commercial insurance coverage appropriate for the electrical services we provide to businesses, commercial properties, property managers, and other organizations throughout the High Desert.
Current coverage includes commercial general liability, workers’ compensation and employers’ liability, and commercial automobile liability.
Certificates of insurance are available upon request. Additional insured and other insurance documentation can be provided when required and when applicable under our policies.
Commercial General Liability Insurance
MTE Electric maintains commercial general liability insurance with the following current limits:
Each Occurrence: $1,000,000
General Aggregate: $2,000,000
Products / Completed Operations Aggregate: $2,000,000
Personal & Advertising Injury: $1,000,000
Damage to Rented Premises: $100,000
Medical Expense: $5,000 per person
Current Policy Period: August 7, 2026 – August 7, 2027
Workers’ Compensation & Employers’ Liability
MTE Electric maintains workers’ compensation insurance and employers’ liability coverage.
Workers’ Compensation: Statutory coverage
Employers’ Liability – Each Accident: $1,000,000
Employers’ Liability – Disease, Each Employee: $1,000,000
Employers’ Liability – Disease, Policy Limit: $1,000,000
Current Policy Period: September 19, 2025 – September 19, 2026
Commercial Automobile Liability
MTE Electric maintains commercial automobile liability insurance for company vehicle operations.
Combined Single Limit: $500,000 per accident
Uninsured / Underinsured Motorist: $500,000 combined single limit
Current Policy Period: August 8, 2026 – February 8, 2027
Certificates of Insurance & Additional Insured Requirements
Certificates of insurance are available for commercial customers, property managers, general contractors, and other organizations that require proof of coverage before MTE Electric performs electrical work.
When required for a project or property, MTE Electric can provide applicable insurance documentation and work with customers regarding additional insured requirements, subject to the terms, conditions, and endorsements of our insurance policies.
For insurance documentation or vendor qualification requirements, please contact MTE Electric.
Coverage Information
The information on this page is provided as a general summary of MTE Electric’s current insurance coverage and is not an insurance certificate, policy, or guarantee of coverage.
Actual coverage is governed by the applicable insurance policies, including their terms, conditions, exclusions, endorsements, and policy limits. Certificates of insurance can be provided upon request when formal verification of coverage is required.