Workers' Comp Insurance for Electrical Businesses in Kentucky

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 Kentucky. The Kentucky workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.06 per $100 of payroll.

Kentucky requirements for electrical businesses

When required: Required for any employer with at least one employee.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Up to 3 officers may exempt; LLC members can exempt.

Electrical class codes used in Kentucky

Why electrical workers' comp is tricky in Kentucky

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 Kentucky 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 Kentucky to other major markets:

Other industries in Kentucky

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