Workers' Comp Insurance for Electrical Businesses in Florida

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 Florida. The Florida workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.42 per $100 of payroll.

Florida requirements for electrical businesses

When required: Required for non-construction employers with 4+ employees, construction with 1+, agricultural with 6+ regular or 12+ seasonal employees.

Sole proprietors: Sole proprietors in construction are NOT exempt — must have coverage. Non-construction sole props may be exempt..

Owner / officer exclusion: Construction owners can apply for exemption (max 3 per corp); non-construction can exempt up to 3 officers per corp.

Electrical class codes used in Florida

Why electrical workers' comp is tricky in Florida

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 Florida 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 Florida to other major markets:

Other industries in Florida

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