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Workers' Comp Insurance for Electrical Businesses in Washington

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 Washington. The Washington workers' compensation market is governed by L&I (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.16 per $100 of payroll.

Avg Electrical rate in WA
$5.50
per $100 payroll
$100K payroll → annual
$5,501
estimated annual premium
Washington bureau
L&I
Monopolistic

Washington requirements for electrical businesses

When required: All employers must obtain coverage through Washington Department of Labor & Industries (L&I) — monopolistic state.

Sole proprietors: Sole proprietors are exempt unless they elect to enroll with L&I.

Owner / officer exclusion: Officers and LLC members may be excluded.

⚠️ Washington is a monopolistic state

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

Electrical class codes used in Washington

5190 Electrical Wiring — Within Buildings
$3.69-$9.49
WA typical rate
5191 Office Machine Installation, Inspection, Adjustment
$0.84-$2.64
WA typical rate
7601 Telephone, Telegraph or Fire Alarm Line Construction
$4.75-$11.60
WA typical rate

Why electrical workers' comp is tricky in Washington

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 Washington 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 Washington 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 Ohio $0.74 Electrical in Georgia $1.06

Other industries in Washington

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

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

More Washington workers' comp resources