Workers' Comp Coverage for Electricians

We’ve been helping electrical contractors find affordable coverage for over 15 years. Our experts understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

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Claims Management

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Workers' Compensation Class Codes Related to Electricians

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Electrical Contractors Insurance Workers' Compensation Insurance

Class Code 5190
Electrical Wiring- All Employees

This is a broad class of businesses primarily engaged in providing electrical related services in a variety of circumstances. Work may be performed on a residential or commercial basis. Services often include electrical repair within a home or a building, new wiring installation, cable installation, installation or repair of electrical fixures, wiring of equipment within manufacturing facilities and satellite dish installation.

Even though the class code is very common, insurance underwriters understand that risk varies substantially between residential electricians wiring low voltage and 110 and commercial electrical contractors installing electrical conveyer systems within manufacturing facilities. Its important for agents representing electrical contractors to provide a detailed explanation as to what each contractor does and what measures they take to minimize the risk of insurance claims.

Alternative State Class Codes for Electrician:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Synonyms: electrician, electrical contractor, electric repair, cable installer, satellite dish installation, electrical apparatus installation and electrical fixture installation.


licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much is Electrician Insurance?

The average rate our customers pay for workers’ compensation under the electrical contractor class code is around $2.50 per $100 of payroll. The average cost for a general liability insurance policy is about $750.00.

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of electrical work can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for electricians are based on payroll (rated per $1000)
  • Gross revenue may affect pricing
  • The type of wiring matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code 1731- Electrical Contractors

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We've developed affordable insurance programs for Electrical.