Electrical work is classed as construction in Florida, so you need coverage with your first employee. Compare carriers for electricians, get the 2026 class 5190 rate applied correctly, and get same-day certificates for permits and GCs.
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Last updated · Sources: Florida Office of Insurance Regulation, NCCI, and the Florida Division of Workers' Compensation
Florida electrical workers' comp: quick facts for 2026
Electricians are in a middle rate tier in Florida. Class 5190 is $2.97 per $100 of payroll in 2026, well below roofing or framing but far above office work. The main hazards are shock and arc flash, falls from ladders and lifts, and heat exposure in attics.
Florida's growth keeps electrical contractors busy with new homes, commercial build-outs, generator installs and hurricane repair. Many also do solar and EV-charger work, which carriers may underwrite differently when it involves roof work.
Because electrical work is construction under Florida law, the one-employee requirement applies, and officers count unless they're exempt.
These are the NCCI class codes most often used for electrical contractors in Florida. Rates shown are 2026 Florida manual rates per $100 of payroll and apply statewide. "Quoted" means the rate for that code is provided with your quote. The right code depends on the work each employee actually does.
| NCCI Code | Classification | Rate per $100 | Premium on $100K payroll* |
|---|---|---|---|
| 5190 | Electrical Wiring | $2.97 | $3,130 |
| 8742 | Sales — Outside (estimators) | $0.38 | $540 |
| 8810 | Clerical / Office Employees | $0.17 | $330 |
* Includes the $160 expense constant, at a 1.0 experience mod, before Drug-Free Workplace (5%) or other credits. See the full Florida rate table.
Yes, with one employee. Florida treats this work as construction under its workers' compensation law (Chapter 440), so coverage is required as soon as the business has one employee, and corporate officers and LLC members count unless they have filed an exemption. Up to three officers or members who each own at least 10% can file a $50 construction exemption, but it covers only the owners.
For 2026, included officers are rated on a minimum payroll of $33,800 each for construction businesses and $67,600 each for non-construction businesses. Operating without required coverage can lead to a Stop-Work Order and penalties based on the premium you should have paid.
Electrical contractors lower premium by splitting estimator and office payroll from 5190, documenting overtime so only straight-time pay is rated, earning the 5% Drug-Free Workplace credit, and keeping the experience mod low through lockout/tagout and fall-protection programs. Because every Florida carrier starts from the same manual rates, a specialist who knows your industry can make a real difference in how your policy is classified, credited and audited.
Florida uses the same NCCI base rates for every carrier. Premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant. For example, an electrical contractor with $400,000 in payroll (class 5190, $2.97 per $100) pays about $12,040 a year at a 1.0 experience mod, before credits such as the 5% Drug-Free Workplace credit. 2026 Florida rates decreased 6.9% on average.
Yes, with one employee. Florida treats this work as construction under its workers' compensation law (Chapter 440), so coverage is required as soon as the business has one employee, and corporate officers and LLC members count unless they have filed an exemption. Up to three officers or members who each own at least 10% can file a $50 construction exemption, but it covers only the owners.
Electrical wiring within buildings is class 5190, with a 2026 Florida rate of $2.97 per $100 of payroll. A contractor with $400,000 in payroll would pay about $12,040 a year, including the $160 expense constant, at a 1.0 experience mod.
Yes. Electrical work is construction under Chapter 440, so coverage is required with one employee. Owners who are officers or LLC members with at least 10% ownership can file an exemption for themselves.
The Florida Division of Workers' Compensation can issue a Stop-Work Order that shuts down the business until coverage is obtained and a penalty is paid. The penalty is generally twice the premium the employer would have paid over the prior two years, with a $1,000 minimum, and working in violation of a Stop-Work Order adds further daily penalties. Uninsured employers can also be sued directly by injured workers.
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