Workers Comp Class Code 5190 — Electrical Work — ElectricianCalifornia
Installation, maintenance, and repair of electrical wiring, fixtures, panels, and equipment in California residential and commercial buildings.
How Have California Workers Comp Rates Changed Over the Last 5 Years?
Source: WCIRB pure premium rates. Actual carrier rates may vary significantly in California.
How Much Does California Workers Comp Cost for This Class Code?
⚠️ Pre-Underwriting Estimate: This is a preliminary estimate only. Final premium can change based on underwriting results, loss history, OSHA records, and carrier approval. CA rates vary significantly by carrier.
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What Jobs Are Covered Under This California Class Code?
- ▸ Electrician
- ▸ Electrical apprentice
- ▸ Low-voltage technician
- ▸ Panel installer
- ▸ Commercial electrician
What Are the Top Injury Risks for This California Class Code?
- ⚠ Electrocution from energized conductors
- ⚠ Arc flash burns (480V and above)
- ⚠ Falls from ladders and aerial lifts
- ⚠ Eye injuries from arc flash
- ⚠ Repetitive strain from wire pulling
What Does a Real Workers Comp Claim Look Like for This California Class?
An electrician contacts a live 480V circuit while working on a commercial tenant improvement in San Jose — third-degree electrical burns, cardiac arrhythmia, and extended hospitalization in California can result in $400,000+ in workers comp costs. California's DWC requires all electrical burn cases to be evaluated for permanent disability, often resulting in awards of 15–30% PD.
Why Does a PEO Make Sense for California Workers Comp in This Class?
California electrical contractors holding a C-10 license face a paradox: their CSLB license signals professionalism, but standard workers comp carriers still charge $4.53/100 and require annual audits. PEO programs provide C-10 contractors with access to group markets that offer pay-as-you-go billing tied to actual payroll — eliminating the large deposit requirements that strain cash flow on project-based work.
CA Rate Context
At $4.53/100, California electrical rates are moderate compared to roofing and masonry, but still 25–30% above the national NCCI average for the same code. WCIRB's pure premium reflects California's elevated medical costs and the state's aggressive permanent disability rating system, which assigns higher impairment ratings than most states for the same electrical injuries.