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Workers' Comp Insurance for Electrical Businesses in Ohio

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 Ohio. The Ohio workers' compensation market is governed by BWC (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.74 per $100 of payroll.

Avg Electrical rate in OH
$3.51
per $100 payroll
$100K payroll → annual
$3,509
estimated annual premium
Ohio bureau
BWC
Monopolistic

Ohio requirements for electrical businesses

When required: All employers must obtain coverage through Ohio Bureau of Workers' Compensation (BWC) — monopolistic state.

Sole proprietors: Sole proprietors are exempt unless they elect to enroll with BWC.

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

⚠️ Ohio is a monopolistic state

All Ohio workers' comp coverage must be purchased through the state fund (BWC (state fund)). Private workers' comp insurance is not available in Ohio, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.

Electrical class codes used in Ohio

5190 Electrical Wiring — Within Buildings
$2.35-$6.05
OH typical rate
5191 Office Machine Installation, Inspection, Adjustment
$0.54-$1.68
OH typical rate
7601 Telephone, Telegraph or Fire Alarm Line Construction
$3.03-$7.40
OH typical rate

Why electrical workers' comp is tricky in Ohio

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 Ohio 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 Ohio 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 Georgia $1.06 Electrical in North Carolina $0.84

Other industries in Ohio

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

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

More Ohio workers' comp resources