The insurance industry has been really burned out in California due to some horrificly bad apartment and condo projects -- especially in San Diego. The damages pretty much amounted to scraping the condos down and rebuilding them -- with the GC and subs taking the fall all of the way.
This project fed enough meat to the trail lawyers so that pursuing contractors for mega-claims has become institutionalized.
Now insurers are bumping up -- really bumping up -- the premiums charged to contractors active in:
New Construction Tract
New Construction Condo/ Multi-family
New Construction Custom Homes
The insurers are not going nuts over service electricians -- but they are going to be re-rated just the same.
Re-rating usually starts out with expanding exclusions which trigger more 'riders'.