Workers Comp Class Code 5190 — Electrical Work — 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 Work — 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 wiring buildings — residential, commercial, and industrial. This includes rough-in wiring, panel installation, outlet and switch installation, and lighting. One of the most common construction class codes in Florida. Electrical work carries serious risks: electrocution is one of the "Fatal Four" in construction.
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?
At $2.97 per $100 (2026 FWCJUA rate), an electrician earning $1,000/week costs about $29.69/week in workers comp. For a 4-man electrical crew, that's roughly $119/week. Traditional carriers often require a large deposit upfront. PEO eliminates that entirely.
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 $3.90 to $2.97 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 frequently work as subs on large commercial projects where the GC requires proof of workers comp before they can start work. PEO gives you a same-day COI with the GC named as additional insured. No waiting, no delays, no lost contracts because your paperwork wasn't ready.
No Deposit
Pay as you go each week
No Audit
Premium based on actual payroll
Same-Day COI
Instant certificate issuance
📋 Real-World Example
A 3-man electrical crew in Jacksonville is doing rough-in wiring on a new apartment complex. An apprentice contacts a live wire and suffers electrical burns to his hands and arms. Workers comp covers the burn unit stay, skin grafts, and 3 months of lost wages. The GC's project stays on schedule because the COI was already in place.
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.
OSHA 1910.303
Electrical Wiring Design and Protection: all electrical installations must be in accordance with the NEC; circuits must be protected by overcurrent devices.
OSHA 1910.333
Electrical Safety-Related Work Practices: workers must de-energize circuits before working on them (lockout/tagout); live work requires PPE rated for the voltage.
OSHA 1926.416
Electrical Safety in Construction: no work on energized equipment unless de-energized or the employer demonstrates it cannot be de-energized.
NFPA 70E
Electrical Safety in the Workplace: arc flash boundary calculations and PPE requirements for electrical workers in Florida commercial construction.
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.
Duval County, 2023: An electrical sub was found on a commercial job site without workers comp. DFS issued a stop-work order and the GC was required to remove them from the project. Penalty: $19,800.
Orange County, 2022: An electrical contractor classified apprentices as 1099 workers. DFS determined they were employees. Retroactive premium plus penalties: $31,400.
Hillsborough County, 2023: An electrical company had a policy but failed to add a new GC as additional insured. Work was halted for 2 days.
Source: Florida DFS enforcement records. Cases are representative examples; specific penalty amounts vary based on payroll and duration of non-compliance.
Typical Payroll & Workers Comp Cost — Code 5190
These are representative payroll ranges for businesses classified under code 5190 in Florida. Actual costs depend on your specific payroll, experience mod, and underwriting factors.
| Crew Size | Weekly Payroll | Est. Annual Comp Cost |
|---|---|---|
| 2 electricians (small residential) | $2,000/week | $3,088/year |
| 4 electricians (standard commercial sub) | $4,000/week | $6,176/year |
| 8 electricians (large commercial) | $8,000/week | $12,351/year |
Estimates based on Florida NCCI rate $2.97/$100 of payroll. Pre-underwriting estimate only.
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.
Electrical contractors who perform any work on energized equipment (live work) face declinations from most standard carriers.
Accounts with prior electrocution or arc flash claims are declined by standard carriers for 5+ years.
New electrical contractors (under 1 year) without a master electrician license on staff often cannot obtain standard market coverage.
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.
Including the cost of materials (wire, conduit, panels) in the payroll base — materials are excluded from workers comp premium calculations.
Classifying licensed electricians under a lower-rated code (e.g., maintenance) when they're doing new construction wiring — auditors will reclassify to 5190.
Not separating low-voltage work (data, security, AV) from standard electrical — low-voltage may qualify for a lower-rated code.
Experience Mod (EMR) & PEO Advantage
Electrocution is one of OSHA's Fatal Four in construction. A single fatal claim will follow a small contractor for 3 years and make standard market coverage nearly impossible to obtain. PEO eliminates this risk entirely — your individual loss history doesn't affect your rate.
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 Work — 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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