Workers' Comp Cost for Electrical Contractors in West Palm Beach, FL
Florida 2026 rate: $2.50–$4.50 per $100 payroll per $100 payroll (Class Code 5190). $3,500–$12,000 for a small electrical company.
Electrical Contractors Workers' Comp in West Palm Beach
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a electrical contractors in West Palm Beach or anywhere else in Florida, the 2026 base rate for class code 5190 is $2.50–$4.50 per $100 payroll per $100 of payroll. However, local carrier availability and market competition can affect the final premium you're quoted. Bright Coast Insurance works with multiple carriers to find the best rate for West Palm Beach-area contractors.
Rate Range
$2.50–$4.50
per $100
Class Code
5190
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all electricians and apprentices
- Type of electrical work (residential, commercial, industrial)
- Experience modification rate (EMR)
- Number of employees vs. exempt officers
- Claims history
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Other Trades in West Palm Beach
FAQs — Electrical Contractors Workers' Comp in West Palm Beach
How much does workers' comp cost for an electrical contractor in Florida?
Florida electrical workers' comp costs approximately $2.50–$4.50 per $100 of payroll under class code 5190. For an electrical company with $150,000 in annual payroll, expect a base premium of $3,750–$6,750 before your experience mod. Electrical is a moderate-risk trade, much cheaper than roofing.
Do electrical contractors in Florida need workers' comp?
Yes. Florida requires electrical contractors with 1 or more employees in the construction industry to carry workers' compensation. Corporate officers can file exemptions (up to 3 per company). Your electrical contractor license also requires proof of workers' comp or a valid exemption.
What class code is used for electrical contractors in Florida?
The primary class code for Florida electrical contractors is 5190 (Electrical Wiring Within Buildings and Drivers). Office staff use 8810 (Clerical). Electrical contractors who also do outside power line work may use additional codes at higher rates.
Can an electrical contractor owner exempt themselves from workers' comp in Florida?
Yes. Corporate officers of electrical companies can file an exemption from workers' compensation coverage. Up to 3 officers per company can be exempt. The exemption must be renewed every 2 years and must be on file with your Florida electrical contractor license.
Electrical Contractors Workers' Comp Cost in Other Florida Cities
Get a Electrical Contractors Workers' Comp Quote in West Palm Beach
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