Workers' Comp Insurance for Electrical Businesses in California

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 in California. The California workers' compensation market is governed by WCIRB, and the average rate statewide is approximately $1.45 per $100 of payroll.

California requirements for electrical businesses

When required: Required for any employer with at least one employee — including roofing contractors with no employees other than the owner.

Sole proprietors: Sole proprietors with no employees are exempt unless in roofing (5552) — roofers must have coverage even with no employees.

Owner / officer exclusion: Corporate officers and LLC members may exclude themselves with Form 2570.

Electrical class codes used in California

Why electrical workers' comp is tricky in California

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 for California electrical contractors

• ✓ 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

Electrical workers' comp in other states

Rates and requirements for electrical contractors vary widely by state. Compare California to other major markets:

Other industries in California

California workers' comp rates and requirements for other common industries: