Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Electricians in Florida work in high-risk environments, often handling live wires and working at heights. From electrical burns to falls, the risks can lead to serious injuries.
Workers' compensation insurance covers your team if accidents happen, helping with medical costs, wage replacement, and even funeral expenses in worst-case scenarios.
Electricians in Florida with even one employee are required to have workers' compensation insurance.
Failure to comply can result in significant penalties, such as stop-work orders and fines. Learn more about Florida Workers' Compensation Rules here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
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
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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
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. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
For more detailed strategies, check out these tips on how electricians can save on their workers' compensation insurance.
Yes, your workers' comp should cover you for ground-mounted solar panel work. However, it won’t cover any roof-mounted projects, as roof exposure is not included in a standard electrician policy.
No, handling up to 600 volts on commercial jobs generally won’t affect your workers' comp policy, especially since live systems aren’t involved. If you move into higher-voltage work of 1,000 volts or more, especially pole-to-pole utility jobs, this will change your policy needs, so confirm coverage with your carrier for those types of projects.
This can be tricky. If you’re only doing a small amount of work out of state with no overnight stays, your current policy likely has you covered. But if you frequently work out of state or stay overnight, that state should be added to your policy in Section 3A. It’s best to check with your insurance agent.
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