# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Workers' Comp Class Code 5190 — Electrical Wiring Within Building and Drivers (FL)

**Class Code:** 5190  
**Description:** Electrical Wiring Within Building and Drivers  
**State:** FL  
**Rate:** $2.97 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5190?

Class code 5190 covers electrical contractors who perform wiring and electrical work within buildings. This includes installation of electrical systems, service panels, wiring, outlets, lighting, and related electrical components in commercial, industrial, and residential buildings. Electrical work is one of the most common construction classifications in Florida. Hazards include electrical shock and arc flash, falls from ladders and lifts, and working in confined spaces.

## Who Does Class Code 5190 Apply To?

Licensed electricians, electrical apprentices, electrical helpers, and drivers transporting electrical materials.

## Florida Examples — Class Code 5190

A residential electrical contractor in Sarasota wiring new custom homes and performing service upgrades. A commercial electrical firm in Tampa installing complex electrical systems for large office buildings and retail centers.

## How to Calculate Workers' Comp Premium for Class Code 5190

**Formula:** (Annual Payroll ÷ 100) × $2.97 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2376 | $2970 | $3564 |
| $250,000 | $5940 | $7425 | $8910 |
| $500,000 | $11880 | $14850 | $17820 |
| $1,000,000 | $23760 | $29700 | $35640 |

## Tips for Managing Class Code 5190 Workers' Comp Costs

- Arc flash hazard analysis and appropriate PPE are required for work on energized equipment
- Separate low-risk office employees under code 8810
- NFPA 70E compliance for electrical safety in the workplace is mandatory
- Subcontractor certificates of insurance are essential to avoid premium audit issues
- Pay-as-you-go workers comp aligns premium with actual payroll

## Safety Recommendations for Class Code 5190

- Implement strict lockout/tagout procedures for all electrical circuits before work begins.
- Ensure all electricians use insulated tools and appropriate arc flash PPE.
- Provide comprehensive training on electrical safety standards and emergency procedures.
- Regularly inspect and maintain all electrical equipment and tools.

## Get a Quote for Class Code 5190

Contact Bright Coast Insurance for a workers' comp quote for class code 5190 in FL:

- **Phone:** (239) 323-0785
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/fl](https://brightcoastins.com/workers-comp-codes/fl)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*