Workers' Comp Insurance for Electrical Businesses in Montana

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 Montana. The Montana workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.66 per $100 of payroll.

Montana 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: Officers and LLC members may be excluded.

Electrical class codes used in Montana

Why electrical workers' comp is tricky in Montana

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 Montana 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 Montana to other major markets:

Other industries in Montana

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