How Much is Workers' Comp for Electricians in Florida?

How Much Does Workers' Comp in Florida Cost for Electricans?

If you run an electrical contracting company in Florida, your crew works with live panels, pulls wire through walls, and climbs into attics and crawl spaces. The injury risk is real. Workers' comp is required the moment you have one employee in construction.

The good news is Florida electricians pay less for workers' comp than most other construction trades. Whether you are wiring new homes in Nocatee, upgrading panels in Riverside, or pulling circuits on a commercial buildout in Southside, here is what your crew will actually cost.

What Does Workers' Comp Cost for a Small Electrical Crew?

You have 2 electricians, each earning $45,000 a year. You are the owner and you filed for an exemption, so your pay is not included.

• Payroll: $90,000
• Annual cost: $2,833
• Monthly: about $236

Electrical injuries are among the most expensive workers' comp claims in Florida. Burns, falls, and shock injuries can easily exceed $50,000 per claim. That $236 a month is a fraction of what one incident could cost you out of pocket.

What If You Have a Bigger Crew with Office Staff?

You have 4 electrical technicians earning $45,000 each and one office person earning $40,000. Your field crew and your office person are rated differently.

• 4 electrical techs: $180,000 payroll at the electrical rate ($2.97) = $5,346
• Office admin: $40,000 payroll at the clerical rate ($0.105) = $42 Code 8810 rate]
• Expense constant: $160 (flat charge on every Florida policy)
• Total: $5,548 per year

How Much Will You Pay at Different Payroll Levels?

2026 NCCI Florida rate for Code 5190: $2.97 per $100 of payroll. All totals include the $160 expense constant. Assumes 1.0 experience mod. Your actual premium may vary by carrier.

Is the Electrical Rate Higher or Lower Than Other Trades?

Electricians get a better deal than most trades in Florida. Only plumbers pay less. Look at the table below and you will see that painters pay 51% more than you do, and framers pay nearly triple your rate.

All figures include the $160 expense constant and assume 1.0 experience mod. For the full rate table with 25+ trades, see our Florida workers' comp insurance guide.

Why Would Your Premium Be Higher or Lower Than These Numbers?

The $2.97 rate is your starting point. Here is what moves it:

• Which carrier you use.
  Every carrier starts from the same base rate but applies their own credits and debits. Two carriers quoting the same payroll can produce different premiums. This is the main reason to compare through an independent agent.
• Your claims history.
  NCCI assigns an experience mod based on your loss record. A clean record pushes it below 1.0 (discount). Multiple claims push it above 1.0 (surcharge). Most small electrical contractors start at 1.0.
• Your subcontractors.
  If you hire sub electrical techs who do not carry their own coverage, their payroll gets added to your policy at audit. Always verify sub coverage before they start work.
• Endorsements.
  General contractors often require a waiver of subrogation or additional insured. Some carriers include these free. Others charge for them.
• How you pay.
  Pay-as-you-go pulls premium each time you run payroll. No big down payment, smaller audit adjustments. A good fit for electricians who bring on extra hands for big projects and scale back between jobs. Common in the Jacksonville new-construction market.

Can Electricians Exempt Themselves from Workers' Comp in Florida?

Yes. If you own at least 10% of a corporation or LLC, you can file for an exemption. It costs $50 and lasts two years.

But understand what it means: the exemption covers you the person, not your business.

If you have even one employee, you still need a policy for them. And if you bring a helper or day worker onto a job site, they need to be covered too.

For the full rules, see our Florida contractors guide to workers' compensation.

How Do Electricians Get a Workers' Comp Quote in Jacksonville?

Augustyniak Insurance Group is an independent agency in Jacksonville. We compare workers' comp from Hartford, Travelers, Nationwide, AmTrust, Auto-Owners, and others.

We are not tied to one carrier, which means we find the best rate for your specific crew.

Tell us your payroll, your headcount, and what your people do. If you have an existing policy, send it over. We will check your class codes and tell you if you are overpaying.

We write workers' comp for electricians across Florida and Georgia. Most of our clients are in Jacksonville, Orange Park, St. Augustine, and Ponte Vedra, but we write statewide.

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Susan leads the Augustyniak Insurance team in Jacksonville, helping Florida contractors find the right workers' compensation coverage at the right price. Published April 2026.

What Does NCCI Class Code 5190 Cover?

This is the official NCCI classification for electrical contractors in Florida.

Code 5190 includes:

• Installation of electrical wiring systems within buildings
• Power circuitry and wiring for lighting purposes
• Wiring hung on insulators or encased in rigid or flexible conduits, armored cable, etc.
• No restriction on capacity of wiring systems from an electrical standpoint

Code 5190 does not include:

• Electrical power line construction (separate code)
• Electrical machinery or equipment installation (separate code)
• HVAC work (Code 5537)
• Plumbing work (Code 5183)

Per NCCI Scopes: Code 5190 applies to the installation of electrical wiring systems within buildings. There is no restriction as to the capacity of such wiring systems from an electrical standpoint, and the class applies equally to power circuitry as well as wiring for lighting purposes.

Electricians Workers' Comp FAQ

How much does workers' comp cost for electricians in Florida?

The 2026 rate is $2.97 per $100 of payroll (Code 5190). A 2-person crew at $90,000 payroll pays about $2,833 a year. A mid-size operation at $150,000 payroll pays about $4,615. Every policy includes a $160 expense constant.

What class code do Florida electricians use?

NCCI Code 5190. It applies to the installation of electrical wiring systems within buildings, including power circuitry and wiring for lighting purposes. There is no restriction on capacity. The wiring may be hung on insulators or encased in rigid or flexible conduits, armored cable, etc.

Can an electrical contractor get a workers' comp exemption?

Yes. If you own at least 10% of a corporation or LLC, you can file for an exemption. It costs $50 and must be renewed every two years. The exemption covers you the person, not the business. If you have any employees, you still need a policy for them.

What if my electrical business has office staff?

Your office person may qualify for the clerical rate (Code 8810 at $0.105 per $100) instead of the electrical rate.

But they must work in a physically separate area and perform exclusively clerical duties. If they ever go to a job site or share duties with the field crew, the auditor reclassifies them at the trade rate.

Do outside salespeople at an electrical business get a different rate?

Potentially. An outside salesperson who exclusively sells and never goes on job sites may qualify for the outside sales code (8742) at a lower rate.

But if they ever help on a job, do a walkthrough that involves any labor, or pick up materials, they get reclassified at the electrical rate. The separation must be complete.