Workers' Comp for Electrical Contractors
Electrical contractors performing wiring inside buildings use NCCI class code 5190. Outside line work uses different codes (7601). Rates are generally moderate, reflecting electrocution and fall hazards offset by strong industry safety culture.
Common class codes for electrical contractors
5190
$3.50-$9.00
Electrical Wiring — Within Buildings
5191
$0.80-$2.50
Office Machine Installation, Inspection, Adjustment
7601
$4.50-$11.00
Telephone, Telegraph or Fire Alarm Line Construction
Why Electrical workers' comp is tricky
Electricians often perform low-voltage work (security, AV, telecom) which has its own class code at lower rates (5191). Properly splitting these can save significant premium.
Tips to lower your electrical premium
- ✓ Document low-voltage vs power wiring split — 5191 is much cheaper than 5190
- ✓ Maintain OSHA 10/30 training records for arc flash and lockout/tagout
- ✓ Outside line work (utility) is class 7601 — different rates
Get a Electrical workers' comp quote in 60 seconds
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Get My Electrical Quote →Electrical workers' comp by state
Rates, exemption rules, and rating bureaus for electrical contractors vary widely. Pick your state for electrical-specific requirements and average rates:
Alabama $1.13 Alaska $2.25 Arizona $1.17 Arkansas $0.83 California $1.45 Colorado $0.92 Connecticut $1.53 Delaware $1.39 Florida $1.42 Georgia $1.06 Hawaii $1.69 Idaho $1.02 Illinois $1.66 Indiana $0.98 Iowa $1.06 Kansas $0.99 Kentucky $1.06 Louisiana $1.59 Maine $1.17 Maryland $0.94 Massachusetts $0.94 Michigan $0.97 Minnesota $1.31 Mississippi $1.20 Missouri $1.10 Montana $1.66 Nebraska $1.10 Nevada $0.81 New Hampshire $1.04 New Jersey $1.99 New Mexico $1.39 New York $1.41 North Carolina $0.84 North Dakota $0.78 Ohio $0.74 Oklahoma $1.13 Oregon $0.93 Pennsylvania $1.27 Rhode Island $1.20 South Carolina $1.34 South Dakota $0.97 Tennessee $0.97 Texas $1.04 Utah $0.88 Vermont $1.50 Virginia $0.83 Washington $1.16 West Virginia $1.32 Wisconsin $1.13 Wyoming $1.27
More electrical workers' comp resources
- → Full NCCI class code directory — search all class codes by industry
- → Cost calculator — estimate electrical premium by payroll
- → EMR calculator — experience mod impact on premium
- → COI generator — same-day certificate of insurance
- → Audit dispute guide — recover overpaid premium from misclassification
- → Pay-as-you-go workers' comp — align premium with actual payroll