Electrician workers' comp: a real $3,774/yr policy

A real electrical contractor policy

A general electrical contractor we insure pays $3,774 a year for workers' comp, written with Employers.

Each line is one real policy we placed, not an average or a range. Your price depends on your payroll, the type of work, your state and your claims, and we can't promise a price until we see your details.

Workers' comp is not general liability

Workers' comp pays for your employees' work injuries. General liability pays for injury or damage you cause to other people and their property. They are separate policies with separate prices.

The lowest electrician general liability price on our electrician page is a quote, not a workers' comp policy. Don't compare the two numbers.

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What sets an electrician's price

Payroll for wiring and installation work carries the electrical class rate. Office and estimating staff who don't go to job sites are usually rated separately at a lower rate, so list them separately.

Apprentices and helpers are payroll too. Tell us whether you do new construction, service calls, commercial or industrial work, and any work at height or on energized equipment, because those details can change the class or which insurers will quote.

Payroll for electricians, apprentices and helpers.
Payroll for office and estimating staff.
Mix of residential, commercial and new construction work.
Subcontractors and their certificates.

What we need to quote

Send the items below with the state where you work.

Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Your startup action list

Mark completed tasks, then download a copy with room for owners, dates, and notes. Progress stays on this page until you leave or refresh. No email required.

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Payroll for electricians, apprentices and helpers.
Payroll for office and estimating staff.
Mix of residential, commercial and new construction work.
Subcontractors and their certificates.
Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.