Workers Comp Class Code 5190 — Electrical Work — ElectricianNew York
Installation, maintenance, and repair of electrical wiring, fixtures, panels, and equipment in residential and commercial buildings across New York State.
How Have New York Workers Comp Rates Changed Over the Last 5 Years?
Source: NYCIRB loss cost rates. Actual carrier rates may vary.
How Much Does New York 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.
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What Jobs Are Covered Under This New York Class Code?
- ▸ Electrician
- ▸ Electrical apprentice
- ▸ Low-voltage technician
- ▸ Panel installer
- ▸ Commercial electrician
What Are the Top Injury Risks for This New York Class Code?
- ⚠ Electrocution from contact with energized conductors
- ⚠ Arc flash burns from panel work
- ⚠ Falls from ladders during overhead wiring
- ⚠ Eye injuries from wire pulling
- ⚠ Repetitive strain from conduit bending
What Does a Real Workers Comp Claim Look Like for This New York Class?
A Brooklyn electrician contacts a live 480V three-phase circuit while working in a commercial kitchen — severe arc flash burns to hands and face, corneal damage, and 6 months of lost wages at NY's $1,145/week cap resulted in $285,000 in workers comp costs. NY's Workers Compensation Board requires all electricians to carry proof of coverage before pulling permits — a requirement that catches unlicensed contractors and creates demand for accessible coverage options.
Why Does a PEO Make Sense for New York Workers Comp in This Class?
Electrical contractors in NY — especially small shops doing commercial tenant build-outs in Manhattan or residential service upgrades in Queens — often can't meet standard carrier requirements for 3-year loss runs or minimum premium thresholds. PEO group workers comp programs accept electrical contractors with as few as 1 employee, bill on actual monthly payroll (eliminating large deposits), and provide the certificate of insurance needed to pull NYC permits within 24 hours of enrollment.
NY Rate Context
NY electrical rates at $4.90/100 are lower than most NY construction trades but still 15% above the national NCCI average for electricians. The gap is driven by NY's high medical costs, the $1,145/week maximum weekly benefit, and the concentration of high-voltage commercial work in NYC. Electricians working on residential service upgrades in upstate NY (Rochester, Syracuse, Albany) face the same NYCIRB rate as NYC commercial electricians despite significantly lower claim severity — making PEO programs a cost-effective alternative for upstate electrical contractors.