Workers' Comp Insurance for Electrical Businesses in Massachusetts

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 Massachusetts. The Massachusetts workers' compensation market is governed by WCRIBMA, and the average rate statewide is approximately $0.94 per $100 of payroll.

Massachusetts requirements for electrical businesses

When required: Required for any employer with at least one employee, including part-time and family members.

Sole proprietors: Sole proprietors are exempt unless they elect; partners can be excluded.

Owner / officer exclusion: Officers may opt out; LLC members may exclude.

Electrical class codes used in Massachusetts

Why electrical workers' comp is tricky in Massachusetts

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 Massachusetts 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 Massachusetts to other major markets:

Other industries in Massachusetts

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