Workers' Comp Cost for Electrical Contractors in Florida
2026 Florida rate: $2.50–$4.50 per $100 payroll per $100 of payroll. $3,500–$12,000 for a small electrical company.
2026 Rate Range
$2.50–$4.50 per $100 payroll
per $100 payroll
NCCI Class Code
5190
Florida 2026
Typical Annual Premium
$3,500–$12,000 for a small electrical company
before experience mod
Florida Workers' Comp Rates for Electrical Contractors
Electrical contractors in Florida use class code 5190 (Electrical Wiring Within Buildings and Drivers) with a FWCJUA 2026 rate of $2.969 per $100 of payroll. Electrical work is a moderate-risk trade with rates similar to HVAC.
Key Facts
- Class code 5190 covers electrical wiring inside buildings — the most common code for electrical contractors
- Outdoor power line work uses different, higher-rated codes
- Florida electrical contractor license requires proof of workers' comp or exemption
- Corporate officers can file exemptions (up to 3 per company)
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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Electrical Contractors Workers' Comp Cost by City
Florida rates are statewide, but local carrier availability varies. Find city-specific information:
Frequently Asked Questions — Electrical Contractors Workers' Comp
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.
Workers' Comp Cost for Other Florida Trades
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