Name: Workers' Compensation Insurance for Electricians
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Why do Electricians need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Electricity powers our world, but it can be dangerous. Electricians handle live wires, navigate confined spaces, and work at significant heights. They often use sharp tools and heavy equipment in their daily tasks. While most electricians are safety conscious and do their best to protect themselves, accidents can still happen.

Common electrician injuries

Electric shock - the most common injury electricians face
Falls - caused by slips on wet surfaces, contact with live wires, or misuse of ladders or scaffolds
Electrical burns
Cuts and lacerations - caused by contact with sharp objects, blades, or electrical arcs
Hearing loss - prolonged exposure to loud equipment can lead to hearing damage

Do electricians need workers' compensation insurance?

Absolutely. Working with electricity involves significant risks. Electricians frequently handle high voltage systems, work on tall ladders, and navigate cramped, hazardous spaces. These dangers can lead to severe injuries. Kickstand Insurance provides workers' comp policies designed to cover these unique risks. Safeguard yourself against medical expenses and financial setbacks with coverage tailored for electricians. Reach out for your custom quote today.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Electricians workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Electrician Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Electricians cost?

For 2025, the rate for an electrician is $2.63 per $100 of payroll, which equates to approximately $87 in monthly premiums for each employee.

For more detailed information on how much workers' compensation insurance will cost for your electrical contracting business, read Workers’ Comp Rates for Electricians 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Electricians

For more details on class codes, visit this detailed guide: Electrician Workers’ Compensation Class Codes

5190 - Electrician /electrical contractor

5190 – Installation of electrical wiring systems within buildings

5190 - Low voltage electrical work

7605 - Burglar And Fire Alarm Installation

9516 - Home Theater Equipment - Installation, Service or Repair

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Electricians?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Looking for workers' compensation insurance for electricians? Kickstand Insurance offers comprehensive policies designed specifically for electrical contractors. Whether your team is handling high voltage systems or working on-site, ensure they’re protected.

Our coverage helps your employees get back to work quickly after an injury, providing peace of mind for you and your crew.

Start your instant quote today to discover the cost of electrician insurance for your business.

Get my Quote

Helpful tips to save money

Choosing electrical contractors insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Electrician Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Electrician Workers’ Compensation Audit Checklist can help.

For more detailed strategies, check out these tips on how electricians can save on their workers' compensation insurance.

FAQ's on Workers' Comp for Electricians

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

I am an electrician by trade that performs solar panel installation on roofs. How should I classify my business?

Although the work being performed may be electrical work, the business should be classified under the Roofing class code 5551 and not the Electrical class code 5190.

Am I considered an electrician if I work with telecommunications and coaxial cables in my IT business?

No, most states classify this type of work under code 7600 as a telecommunications company, not as electrical work.

I’m an electrician doing wiring within homes. I also do power line pole-to-pole work. Is that covered under an electrician policy?

No. The powerline work would need to be classified under Code 7538 - Electric or Power Line Construction.

State laws on Workers' Comp for Electricians

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers comp for electricians insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

Workers’ Compensation for Electricians

Policies for commercial and residential electrical contractors