Electrical Contractors Insurance
Workers' Compensation Insurance

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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.

We partner with the best carriers writing electrician coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Electrical Contractors Insurance Companies

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States

Markel Insurance

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for electrical wiring.

Accident Fund

The Hartford

The Hartford is a national insurance carrier with exceptional rates electrician insurance packages and workers' comp coverage.

The Hartford

Benchmark Insurance

Benchmark ia a fast growing carrier expanding into most states. Electricians insurance in an industry target.

Benchmark Insurance

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for electrical and cable contractors.

Travelers Insurance

ICW Group

ICW Group offers great coverage for all types of electrical wiring contractors. They have outstanding rates for target risks.

ICW Group

Liberty Mutual

Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on select class codes.

Liberty Mutual

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust

AmTrust Financial provides exceptional value for many business types within the construction industry.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.

The right quote makes a big difference in price.
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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.

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.

Class Code 3724 | Electrical Apparatus Installation or Repair

This classification code includes companies engaged in installing or servicing building equipment (except electrical; plumbing; heating, cooling, or ventilation equipment). The repair and maintenance of miscellaneous building equipment is included in this industry. The work performed may include new work, additions, alterations, maintenance, and repairs. Related businesses include overhead door installation, elevator or escalator installation and gas pump repair.

Class Code 5183 | Thermostat Installation

Code 5183 is a broad code used to classify numerous types of business operation related to electrical contractors. In addition to thermostat installation, other operations covered include sprinkler installation, plumbing, pump installation and fire suppression systems.

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.

Class Code	State
0661 \| Electrical Wiring within Buildings	Delaware / Pennsylvania
0660 \| Fire Alarm System Installation	Delaware / Pennsylvania
0952 \| Time Clock Install and Repair	Delaware / Pennsylvania
2661 \| Electrical Wiring	Delaware / Pennsylvania
5140 \| Electrical Wiring Within Buildings	California
5191 \| Fire Alarm Installation	New York / New Jersey
7600 \| Alarm Installation and Repair	Texas / Massachusetts

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

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Electrician Insurance Coverage

A lot of electrical companies are overpaying for coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't change as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of electrical wiring business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing electrical contractors insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Electrical Insurance Expertise
More Markets for More Solutions
Commercial Package Insurance Options

What Does Workers' Comp Cover?

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.

Loss of income for employees unable to perform job duties
Medical expenses for employees injured on the job
Retraining expenses for employees unable to return
Permanent injury or disability for lasting injuries
Survivor benefits if employees are killed on the job

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.

Injuries resulting from a violation of the law
Incidents resulting from employees' use fo drugs or alcohol
Injuries that did not occur in connection with the job
Clear company policy violations
Injuries that did not occur in connection with the job

Lower Electrical Contractor Insurance Costs

The cost of business insurance has been increasing for electricians. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for electricians:

Workers' Compensation and Employers Liability

Electrician Liability Insurance

Personal Property and Commercial Property

Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our Workers' Comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our experts a call at 888-611-7467.

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.

Workers' Comp Costs

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

General Liability Costs

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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How do I get started?

Here's what we need from you

Business details, locations, FEIN or SSN
Estimated annual payroll and job duties- class codes
Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

Our software matches you with top-rated carriers
Our agents apply and negotiate your lowest rates
We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Workers' Comp for Electricians.

Most agencies have access to insurance companies that write workers' compensation coverage for electrical contractors. But we offer exclusive programs with lower rates on coverage so you get the best price on your policy.

Get quotes for your electrician business today and see if you qualify for better prices on your workers' comp and gl insurance. Or give our Specialists a call today at 888-611-7467.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.