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Four Ace Electrical Services vs Md Electric

Sacramento Electrical Contractors Comparison · Updated March 2026

Quick Verdict

Four Ace brings 8 additional years of experience and carries workers compensation insurance, while MD Electric operates without workers comp coverage.

Four Ace Electrical Services: Veteran electrical contractor with 18 years of licensed experience, full insurance coverage, and a multi-technician team serving Sacramento.
Md Electric: Owner-operated electrical service with 10 years of experience providing direct, hands-on service but currently without workers compensation insurance.
Note: MD Electric does not carry workers compensation insurance, which means homeowners could be liable if the owner is injured on their property.
Four Ace Electrical Services Md Electric
Rating 5.0 5.0
Years Licensed 18 years 10 years
License # 907701 1007892
Workers' Comp ✓ Yes
Bond Amount $25,000 $25,000
Location Sacramento, CA North Highlands, CA
Website fouraceelectrical.com www.md-electric.org

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Key Differences

The most significant difference is workers compensation insurance. Four Ace carries this coverage, protecting you from liability if a technician is injured on your property. MD Electric does not have this coverage on file, meaning you could be held financially responsible if the owner is injured while working at your home—a real risk with electrical work involving ladders, panel work, and potential shock hazards. Your homeowner's insurance might provide some protection, but this is a gap you'll need to address before hiring. Beyond insurance, Four Ace's 18 years versus MD Electric's 10 years represents nearly double the experience diagnosing hidden problems in older homes, handling code changes over time, and managing complications during panel upgrades or rewiring projects. Four Ace's multi-technician team can handle scheduling flexibility and larger projects more easily, while MD Electric's owner-operated model means you work directly with one experienced electrician throughout. Customer feedback is similarly positive for both, with overlapping themes of punctuality, honest assessments, and quality work.

What Customers Say

Four Ace Electrical Services

Customers emphasize Four Ace's responsive communication, thorough explanations of electrical issues with solution options, and honest assessments that sometimes identify simpler fixes than expected.

Md Electric

Customers highlight MD Electric's punctuality and direct owner communication, with particular appreciation for professional installation quality and clear explanations throughout projects.

Key Takeaway: Both receive nearly identical praise for professionalism, punctuality, and honest assessments, with Four Ace getting slightly more emphasis on communication responsiveness across a team while MD Electric's feedback centers on consistent direct interaction with the owner.

Customer Reviews

Four Ace Electrical Services

Jan 2026

I did not hire them because my plan changes, but they are very detailed in what it needs to be done to replace the breaker panel.

Jan 2026

I recieved estimate at a great price. I will keep the company in mind for future services .

Jan 2026

They were very professional and courteous and fast too!

Md Electric

Aug 2025

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 ...

Aug 2025

⭐⭐⭐⭐⭐ 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...

Aug 2025

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 Four Ace Electrical Services if...

  • Your home is older and electrical projects may reveal unexpected complications like outdated wiring, aluminum wiring, or panel issues that benefit from 18 years of problem-solving experience
  • You want clear liability protection and cannot accept the risk of a contractor injury lawsuit on your property
  • Your project timeline is tight or you need multiple technicians working simultaneously on a larger rewiring or multiple-room project
  • You prefer working with an established team that can provide backup coverage if the primary technician is unavailable
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Consider Md Electric if...

  • You specifically value the continuity of working directly with one experienced owner-electrician from estimate through completion
  • Your project is straightforward (ceiling fan installation, outlet additions, lighting) where the experience gap matters less
  • You've confirmed with your homeowner's insurance that you have adequate coverage for contractor injuries and accept this responsibility
  • The owner's 10 years of experience is sufficient for your project needs and direct communication with the owner is your priority
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Questions to Ask Before Hiring

  • For MD Electric: Ask directly about liability coverage and verify with your homeowner's insurance whether you're covered if he's injured on your property during electrical work
  • For both: Ask about their specific experience with projects like yours, particularly if your home was built before 1980 or has known electrical issues
  • For Four Ace: Ask which technician will be assigned to your project and whether that person will be present throughout or if multiple technicians rotate
  • For MD Electric: Since it's owner-operated, ask about backup plans if an emergency or illness prevents him from completing your project on schedule

The Bottom Line

Four Ace Electrical Services is the safer choice for most homeowners this week. The workers compensation coverage alone eliminates a significant liability risk that MD Electric exposes you to, and the 18 years of licensed experience provides substantially more depth for handling complications in older homes or complex projects. The multi-technician team offers scheduling flexibility and faster completion for larger work. MD Electric's owner-operated model has appeal if you specifically value working directly with one experienced electrician and can either accept the liability risk or confirm your homeowner's insurance provides adequate protection for contractor injuries. For straightforward projects in newer homes where you've addressed the insurance gap, MD Electric is viable. For everything else—older homes, complex projects, or standard risk management—Four Ace is the clearer choice.

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Frequently Asked Questions

It's a genuine liability concern. If the owner is injured while working at your home—whether from a fall, electrical shock, or other accident—you could be sued for medical costs and lost wages. Your homeowner's insurance may provide some coverage, but many policies have limitations for contractor injuries. Before hiring MD Electric, call your insurance agent to understand your exposure and get confirmation of coverage in writing.

For straightforward installations in newer homes with standard wiring, the experience gap matters less, and MD Electric's 10 years is sufficient. However, even simple projects can reveal complications—outdated junction boxes, inadequate circuit capacity, or code violations—where 18 years of troubleshooting experience helps identify solutions quickly. If your home was built before 1990 or you've had electrical quirks, the extra experience becomes more valuable.

You'll definitely work directly with the owner throughout your project, which some homeowners prefer for continuity and direct communication. Four Ace's model involves working with employed technicians, though owner involvement is noted as high. Both companies receive praise for communication and explanations, so the attention quality appears comparable—the difference is whether you're speaking with an owner or a trained team member.

Both have documented experience completing these larger projects with positive customer feedback. Four Ace's multi-technician team can potentially complete the work faster and offers more scheduling flexibility, while MD Electric's owner handles everything personally but works alone. For complex projects where unexpected issues are likely, Four Ace's nearly two decades of licensed experience provides a deeper reservoir of problem-solving expertise for unusual conditions.

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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 12, 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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