Electrician Workers Comp Florida — Class Code 5190, $2.969 Rate [2026]
Florida Workers' Compensation Insurance | Electrical Contractors
Florida Workers' Compensation Requirements for Electrical Contractors
Workers' comp for Florida electricians & electrical contractors: class code 5190. Required for 1+ employee. Same-day COI. Call Bright Coast: (239) 323-0785.
Electricians vs. Electrical Contractors: Coverage Is the Same
Florida electricians — whether licensed electrical contractors (EC license) or journeyman electricians working under a licensed contractor — are classified under NCCI class code 5190 for workers' compensation purposes. The coverage requirements are identical regardless of license type. General liability limits for electricians typically start at $300,000 (the DBPR minimum to obtain an EC license) but most commercial job sites and general contractors require $1,000,000 per occurrence.
Who Needs Workers' Compensation Insurance in Florida
Florida law requires workers' compensation coverage for electrical contractors with one or more employees. Sole proprietors and partners may be exempt, but corporate officers in the construction industry must be covered unless they file a specific exemption with the Florida Division of Workers' Compensation. Subcontractors without their own coverage may be treated as employees of the general contractor.
How Rates Are Calculated
Florida workers' compensation rates are set by NCCI advisory filings and approved by the Florida Office of Insurance Regulation. Your final premium is calculated as: (Payroll ÷ 100) × Class Code Rate × Experience Modifier. Contractors with a clean loss history and an active drug-free workplace program can qualify for discounts of up to 5%.
Related Resources
Electrical Contractors Class Code | Electrical Contractors General Liability | Florida Workers' Compensation Hub | Electrical Contractors WC Cost Guide | Same-Day COI | Get a Free Quote.
Get a Free Quote from Bright Coast Insurance
Bright Coast Insurance provides workers' compensation quotes for electrical contractors throughout Florida. Call or text (239) 323-0785 or request a free quote online. Bilingual agents available. Same-day certificates of insurance for qualified accounts.