Electrical work carries serious injury risk including electrocution, arc flash burns, falls from ladders, and repetitive motion injuries. Workers comp insurance is mandatory for electrical contractors with employees in every East Coast state, and getting the right coverage at the right rate matters.
Why Electricians Pay More for Workers Comp
Electrical work is classified as a higher-risk trade because of the potential for severe injuries including electrocution and arc flash. Workers comp rates for electricians vary based on the type of work performed. Inside wiremen working on energized systems carry higher rates than electricians doing low-voltage or residential finish work.
Separating Your Class Codes
If your electrical business has both field electricians and office staff, make sure payroll is split between the correct class codes. Charging office employees under field electrician codes means overpaying on every dollar of their salary. A workers comp specialist reviews your payroll breakdown at every renewal.
Subcontractor COIs Are Essential
Electrical contractors who use subs for specialty work must require current certificates of insurance. Without a valid COI, a subcontractor’s payroll may be added to your policy at audit, potentially at the higher electrician rate.
Get a Free Electricians Workers Comp Quote
Comp Matters Inc. writes workers comp for electrical contractors across the East Coast. Call (631) 248-2500 for a free quote from multiple carriers.
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