Workers' Comp Insurance for Electrical Businesses in Wyoming
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 Wyoming. The Wyoming workers' compensation market is governed by WSD (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.27 per $100 of payroll.
Wyoming requirements for electrical businesses
When required: All employers in 'extra-hazardous' industries must obtain coverage through Wyoming Workers' Safety & Compensation Division — monopolistic for those industries.
Sole proprietors: Optional for sole proprietors.
Owner / officer exclusion: Officers may be excluded.
⚠️ Wyoming is a monopolistic state
All Wyoming workers' comp coverage must be purchased through the state fund (WSD (state fund)). Private workers' comp insurance is not available in Wyoming, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.
Electrical class codes used in Wyoming
Why electrical workers' comp is tricky in Wyoming
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 Wyoming 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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Rates and requirements for electrical contractors vary widely by state. Compare Wyoming to other major markets:
Other industries in Wyoming
Wyoming workers' comp rates and requirements for other common industries:
More Wyoming workers' comp resources
- → Wyoming workers' comp overview — full state requirements, exemptions, average rates
- → Electrical workers' comp (all states) — industry deep-dive
- → Cost calculator — estimate annual premium by class code
- → EMR calculator — experience modification rating
- → COI generator — same-day certificate of insurance
- → Workers' comp audit disputes — recover overpaid premium
- → 1099 vs. employee classification — avoid back-premium penalties