Workers comp forelectrical contractors.
Service electricians, new-construction crews, low-voltage shops, industrial electricians. Class code 5190 covers most inside electrical wiring. The lowest-rated major trade class — carrier competition is real and pricing can move.
Electrician · Service Panel · Documentary
- Real AgentNo Call Center
- Trade-FirstClass Codes Down to the Digit
- Full BookComp + Commercial
- Right CarrierMatched to Your Trade
What we see on claims
- —Electrical shock and arc-flash burns
- —Falls from ladders and aerial lifts
- —Lacerations from wire-stripping and cutting
- —Eye injuries from sparks and debris
- —Repetitive-motion injuries from overhead work
What drives your rate
Electrical carries one of the lowest trade-class base rates in comp. That creates competitive pricing across carriers, and the difference between an average quote and a good one can be 15-20%. Carrier selection matters more than you'd expect at this class.
Which one's you?
Residential service electrician
3-5 person shop handling service calls, panel upgrades, new circuits. Low claims frequency, usually clean underwriting.
Commercial electrical contractor
15-person crew on new-construction commercial. Mix of 5190 and 5606 supervisor payroll. Significant premium at scale.
Low-voltage / data contractor
Structured cabling, security systems, AV. Sometimes classifies under 7605 (burglar-alarm installation) at lower rates than 5190 — worth checking.
Electrical-specific questions
Not always. Alarm, security, and data-cabling work can sometimes classify under 7605 at significantly lower rates. Mixed shops may qualify for split classification.
Apprentices are covered employees at the electrical class rate. Some state-licensed apprenticeship programs carry carrier-side credits worth asking about.
Different class code (5188 for power/transmission, 3724 for industrial electrical). Higher rates, but specialized carriers who write this class.
Figures on this page are illustrative. Your premium depends on your state, class codes, payroll, experience modifier, and carrier. Nothing here is a quote or a promise of rate.