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Workers' Comp Insurance for Electrical Businesses in Delaware

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 Delaware. The Delaware workers' compensation market is governed by DCRB, and the average rate statewide is approximately $1.39 per $100 of payroll.

Avg Electrical rate in DE
$6.59
per $100 payroll
$100K payroll → annual
$6,592
estimated annual premium
Delaware bureau
DCRB
Private market

Delaware requirements for electrical businesses

When required: Required for any employer with one or more employees.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Officers/LLC members may be excluded with rejection form.

Electrical class codes used in Delaware

5190 Electrical Wiring — Within Buildings
$4.42-$11.37
DE typical rate
5191 Office Machine Installation, Inspection, Adjustment
$1.01-$3.16
DE typical rate
7601 Telephone, Telegraph or Fire Alarm Line Construction
$5.69-$13.90
DE typical rate

Why electrical workers' comp is tricky in Delaware

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 Delaware 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

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Electrical workers' comp in other states

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

Electrical in California $1.45 Electrical in Texas $1.04 Electrical in Florida $1.42 Electrical in New York $1.41 Electrical in Pennsylvania $1.27 Electrical in Illinois $1.66 Electrical in Ohio $0.74 Electrical in Georgia $1.06

Other industries in Delaware

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

Construction in DE 9 class codes Roofing in DE 1 class code Plumbing in DE 3 class codes HVAC in DE 2 class codes Painting in DE 3 class codes Landscaping in DE 3 class codes Restaurants in DE 4 class codes Retail in DE 5 class codes

More Delaware workers' comp resources