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Bear Copper Electric vs Md Electric
Sacramento Electrical Contractors Comparison · Updated March 2026
Both are experienced electricians with similar strengths, but MD Electric lacks workers compensation insurance, creating potential liability for homeowners.
| Bear Copper Electric | Md Electric | |
|---|---|---|
| Rating | ★ 5.0 | ★ 5.0 |
| Years Licensed | 8 years | 10 years |
| License # | 1036857 | 1007892 |
| Workers' Comp | ✓ Yes | — |
| Bond Amount | $25,000 | $25,000 |
| Location | Folsom, CA | North Highlands, CA |
| Website | www.bearcopperelectric.com | www.md-electric.org |
Key Differences
What Customers Say
Bear Copper Electric
Customers emphasize Bear Copper Electric's efficiency and speed, frequently noting surprise at how quickly installations were completed while maintaining quality standards.
Md Electric
Customers highlight MD Electric's thoroughness and honest assessments, particularly appreciating detailed explanations and professional finished appearance of complex installations.
Key Takeaway: Bear Copper's feedback centers on specialized EV charger work and installation speed, while MD Electric's reviews focus on comprehensive projects like whole-house rewiring and diagnostic expertise.
Customer Reviews
Bear Copper Electric
Super impressed with Josh's professional installation from Bear Copper Electric. I originally contacted 3 local electricians from the SMUD contractor network. One never replied. One sent an email and...
Quick and very professional!!! I'd recommend without reservation
It was a nice experience with them.. they gave me the multiple options before installing it and they patiently heard my expectations and installed the way want to .. I really appreciate their help and...
Md Electric
Matt from MD Electric came out to install a ceiling fan with no existing wiring or fan box. He knew exactly what needed to be done and made the fan look like it was put there from new construction. I ...
âââââ I had the pleasure of working with MD Electric for a recent electrical project in my home, and I am extremely satisfied with their outstanding service! Matt's meticulous attention to d...
I was incredibly impressed with Matt Damiano, the owner and technician of MD Electric. He arrived on time, was extremely professional, and clearly knows his craft. Matt is truly an expert - his attent...
Consider Bear Copper Electric if...
- ✓ You're installing an EV charger, where Bear Copper Electric has developed specialized expertise with numerous documented installations and technical knowledge in this specific area.
- ✓ Workers compensation coverage is important to you, eliminating potential liability if someone is injured during your electrical project.
- ✓ You value speed and efficiency for straightforward projects like panel upgrades, outlet installations, or lighting work, where customers consistently report faster-than-expected completion times.
- ✓ You prefer a contractor with full insurance compliance and no coverage gaps that could create homeowner liability issues.
Consider Md Electric if...
- ✓ Your project involves complex rewiring or comprehensive electrical work, where MD Electric's documented experience with whole-house rewiring and panel replacements demonstrates capability with larger-scale projects.
- ✓ You're comfortable verifying your homeowner's insurance covers contractor injuries and accepting the liability risk associated with missing workers comp coverage.
- ✓ The additional two years of licensed experience matters for your specific situation, particularly if your home has older electrical systems requiring diagnostic expertise.
- ✓ You value the direct owner-operated approach and are willing to trade insurance protection for potentially working with a slightly more established contractor.
Questions to Ask Before Hiring
- → Ask MD Electric directly about liability coverage and confirm with your homeowner's insurance whether contractor injuries would be covered under your policy, and what impact a claim might have on your premiums.
- → Ask Bear Copper Electric about their experience with projects similar to yours if you're planning work beyond EV chargers, since customer feedback is heavily concentrated in that area.
- → Ask both contractors for references from projects matching your scope, particularly if your work involves diagnosing problems in older electrical systems or coordinating with utility companies for service upgrades.
The Bottom Line
For most homeowners, Bear Copper Electric is the safer choice because workers compensation coverage eliminates a significant liability risk that could affect your homeowner's insurance if an injury occurs. This protection is particularly important given that both contractors receive similarly positive feedback for professionalism and quality work. If you're installing an EV charger, Bear Copper's specialization in this area makes them the clear choice. MD Electric remains a viable option only if you're handling a complex rewiring project where their slightly longer track record adds value, and you've confirmed with your insurance agent that you're comfortable with the liability exposure. Don't let two extra years of experience override the concrete protection that workers comp provides—verify your actual insurance situation with MD Electric before proceeding.
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Frequently Asked Questions
It matters regardless of project size because injuries can happen on any job. If MD Electric or anyone helping him is injured at your property and there's no workers comp, your homeowner's insurance becomes the primary coverage, which could result in a claim on your policy. This isn't a theoretical risk—electrical work involves ladders, power tools, and live circuits where accidents happen.
For straightforward installations, the two-year gap is minimal—both contractors are experienced. For complex diagnostic work or whole-house rewiring where you need someone who has encountered unusual situations, those extra years do provide somewhat more exposure to edge cases. Bear Copper's eight years still represents substantial experience for most residential projects.
Bear Copper Electric has clear specialization here, with customer feedback dominated by EV charger installations and comments about technical knowledge in this specific area. While MD Electric is certainly capable of installing chargers, Bear Copper's concentration of experience in this particular service gives them an edge for this project type.
You should discuss this with your insurance agent, but typically homeowner's policies aren't designed to replace contractor workers comp. Your agent can explain your actual exposure and whether additional coverage is available. The cleaner solution is hiring a contractor who already carries proper insurance, eliminating this complexity entirely.
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How We Compare Contractors
License Verification
All license data is sourced from official California CSLB records and verified regularly.
Review Analysis
Customer reviews are aggregated from Google and analyzed to identify patterns in service quality.
Detailed Comparison
We analyze credentials, insurance, experience, and feedback to highlight meaningful differences.
Not all licensed contractors are created equal. While a valid license is the baseline requirement in California, contractors can vary significantly in experience, insurance coverage, and customer satisfaction.
- Experience matters: A contractor with 15+ years of experience has likely encountered and solved problems that newer contractors haven't faced yet.
- Workers' compensation protects you: If a contractor without workers' comp insurance has an employee injured on your property, you could be held liable.
- Reviews reveal patterns: Individual reviews can be misleading, but patterns across many reviews often reveal a contractor's true strengths and weaknesses.
- Bond amounts vary: A contractor's bond provides financial protection if they fail to complete work as agreed. Higher bonds offer more protection.
Taking time to compare contractors on these factors can save you from costly mistakes and help ensure your project is completed by a qualified professional.
Data Sources: License information from California CSLB. Ratings and reviews from Google. Last verified March 11, 2026.
This comparison is based on publicly available information. We recommend getting multiple quotes and verifying all credentials directly before hiring.
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