Workers Comp Class Code 5190 — Electrical Wiring - Within Buildings
Florida NCCI Workers Comp Classification
FL NCCI Rate
$2.97
per $100 of payroll
Same-Day COI
Available
through PEO program
For code 5190, a worker earning $800/week costs just $23.75/week in workers comp through our PEO program.
FL NCCI Rate
$2.97/$100
per $100 payroll
Risk Level
Medium
NCCI classification
Same-Day COI
Available
through PEO program
Approval Time
24–48 hrs
most industries
What Is Workers Comp Class Code 5190?
NCCI class code 5190 covers Electrical Wiring - Within Buildings in Florida. This classification is used by workers' compensation carriers to determine premium rates based on the relative injury risk of workers in this occupation. The Florida NCCI rate for code 5190 is $2.97 per $100 of payroll, placing it in the medium-risk tier.
Covers electricians who install and repair electrical systems inside buildings. Florida construction boom and aging electrical infrastructure create constant demand for licensed electricians.
Because code 5190 is a construction classification, Florida law requires workers' compensation coverage from the first employee. Construction employers cannot use the 4-employee threshold that applies to non-construction businesses.
What Does This Rate Mean in Real Dollars?
Contact Comp Ninjas for a personalized rate quote. PEO pricing is pay-as-you-go with no deposit required.
Rate History — Code 5190
5-Year Rate Trend
Code 5190 — Florida NCCI rates
Source: Florida NCCI rate filings 2020–2024
Florida NCCI rates for code 5190 have decreased from $5.40 to $4.80 over the past 5 years — a positive trend for employers.
Why PEO Makes Sense for Code 5190
No deposit. No audit. Same-day COI.
Electrical contractors need quick COI for permit pulls and GC requirements. PEO provides same-day certificates and flexible coverage that matches project-based work.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
An electrician in Orlando received a severe arc flash burn while working in an energized panel without proper PPE. Workers comp covered $280,000 in burn treatment.
Common Job Titles Under Code 5190
Top Workers Comp Risks for Code 5190
The NCCI rate for this classification reflects the frequency and severity of workers' compensation claims historically filed by workers in this occupation. The primary risks include:
Florida Workers Comp Requirements for Code 5190
Florida Statute Chapter 440 governs workers' compensation requirements. For construction employers classified under code 5190, coverage is required with 1 or more employees — including the business owner unless a valid exemption is on file with the Florida Division of Workers' Compensation.
The Florida Division of Workers' Compensation conducts random job site inspections and can issue an immediate stop-work order if coverage is not current. The penalty is equal to twice the amount of premium that should have been paid, plus $1,000 per day per employee while uninsured.
OSHA Standards That Apply to Code 5190
Workers in this classification are subject to the following OSHA standards. Violations of these standards are the most common triggers for workers' compensation claims in this trade.
29 CFR 1926.416 – General requirements for electrical safety-related work practices: For electricians pulling wire and making up panels indoors, this standard requires identifying and guarding live parts, de-energizing circuits before work whenever possible, and protecting employees from energized conductors and equipment.
29 CFR 1926.417 – Lockout and tagging of circuits: Requires electricians to apply lockout/tagout to energy-isolating devices and verify de-energization before working on building circuits, panels, and equipment.
29 CFR 1926.404 – Wiring design and protection: Requires GFCI protection (or an assured equipment grounding conductor program) for 125-volt, single-phase, 15- and 20-amp receptacles on construction sites, proper grounding, and overcurrent protection—critical for indoor rough-in and trim phases.
29 CFR 1926.405 – Wiring methods, components, and equipment for general use: Governs raceways, boxes, temporary wiring, flexible cords, and fittings—directly applicable to pulling NM/MC, setting boxes, and installing fixtures within buildings.
29 CFR 1926.1053 – Ladders: Covers ladder selection, setup, and use for electricians working off step and extension ladders inside buildings to run cable, set lights, and access ceiling spaces.
Florida Stop-Work Order Cases — Code 5190
The Florida Division of Workers' Compensation (DFS) actively enforces coverage requirements. Below are representative enforcement cases involving businesses classified under code 5190.
Miami-Dade County (2023): DFS investigators found a small electrical contractor wiring condo units in Brickell with four employees on site and no active workers’ comp. Penalty assessed using the DFS formula: $1,000 per day per employee for 35 days ($140,000) plus twice the estimated unpaid premium (~$16,000), totaling about $156,000.
Orange County (2022): An Orlando retail remodel had three electricians pulling new circuits while the company’s policy had lapsed for 60 days. DFS issued a stop-work order and assessed ~$180,000 ($1,000/day/employee) plus twice the unpaid premium (~$22,000) for a total near $202,000.
Pinellas County (2024): During a restaurant tenant improvement in St. Petersburg, a contractor used five apprentices under a journeyman without coverage for 20 workdays. DFS calculated ~$100,000 in daily penalties plus twice the unpaid premium (~$9,000), for approximately $109,000 in fines and costs.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Why Standard Carriers Decline Code 5190
Many standard insurance carriers restrict or decline coverage for businesses classified under code 5190. Understanding these declination triggers helps you find the right coverage path.
High exposure to energized work in occupied remodels and service calls (live change-outs, panel upgrades) with frequent ladder use increases shock and fall severity—many standard carriers either decline or surcharge Code 5190 accounts doing this mix of work.
Heavy use of 1099 electricians or casual labor without valid Florida COIs/exemptions; underwriters anticipate large audit pickups and employee/independent contractor disputes on 5190, so they decline.
New ventures or rapidly growing shops with no verifiable safety program for 1926.416/417 compliance (no written lockout/tagout, no GFCI/AEGCP logs) and no prior WC history—too little loss data for 5190’s injury profile.
Adverse loss history specific to 5190 (ladder falls, eye injuries from overhead drilling, electrical burns) driving an elevated EMR or multiple lost-time claims—standard markets often non-renew or quote with prohibitive surcharges and deductibles.
Common Workers Comp Audit Mistakes for Code 5190
Year-end workers comp audits frequently result in unexpected additional premiums for businesses classified under code 5190. These are the most common audit mistakes to avoid.
Treating helpers/apprentices as 1099s without collecting Florida-compliant workers’ comp certificates or exemptions—at audit their pay is added back to Class Code 5190 payroll, often for the full policy term.
Failing to keep contemporaneous time records separating true clerical (8810) from field time; when an office employee occasionally grabs tools or visits job sites, auditors reassign those wages to 5190.
Not tracking exterior electrical work (e.g., parking-lot pole lights, site lighting, or sign power) separately—auditors can move some or all payroll out of 5190 into a higher-rated outside electrical exposure if records don’t clearly show inside-only work.
Leaving out taxable remuneration common in electrical shops—day rates, cash spiffs, per-diems that are actually wage substitutes, and travel pay—leading to large additional premium due at audit for 5190.
Experience Mod (EMR) & PEO Advantage
For Code 5190, many small but frequent claims (cuts, eye injuries, strains from overhead work) drive the experience mod up, and a single ladder fall or electrical burn can spike severity and keep the EMR above 1.00 for years. A PEO groups you under a large master policy, smoothing the impact of any one claim while adding proactive claims handling, light-duty/return‑to‑work, and site-specific safety help (GFCI/AEGCP and LOTO compliance) to reduce both frequency and cost of injuries.
Frequently Asked Questions — Code 5190
What is the workers comp rate for class code 5190 in Florida?
The Florida NCCI rate for class code 5190 (Electrical Wiring - Within Buildings) is $2.97 per $100 of payroll. For a business with $150,000 in annual payroll, the estimated annual workers comp cost is $4,454.
Can I get same-day workers comp coverage for class code 5190?
Yes. Through Comp Ninjas's PEO program, most businesses classified under code 5190 can be approved and receive a Certificate of Insurance (COI) within 24–48 hours. Same-day COI issuance is available in most cases once your application is complete.
Is class code 5190 considered high-risk in Florida?
Code 5190 is classified as medium-risk based on its NCCI rate of $2.97 per $100 of payroll. This is a moderate rate that most carriers will cover, though our PEO pay-as-you-go program typically offers better terms than a traditional standalone policy.
What is the difference between a PEO and a traditional workers comp policy for code 5190?
A traditional policy for code 5190 requires an upfront deposit (typically 25–35% of annual premium), a year-end audit, and a minimum payroll requirement. Our PEO pay-as-you-go program calculates premium on actual payroll each cycle — no deposit, no audit, no minimum. For a business with $150,000 in annual payroll under code 5190, the annual cost would be approximately $4,454.
How do I switch to a PEO program if I already have a workers comp policy for code 5190?
You can switch at any time — you don't need to wait for your current policy to expire. We handle the transition and coordinate with your current carrier to avoid any coverage gaps. Most clients are enrolled and covered within 24–48 hours of submitting their application.
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