What is Electricians Low Wage Workers Compensation (class code: 5190)?
Electricians low wage workers compensation, classified under class code 5190, is a type of workers’ comp insurance tailored specifically for electricians earning lower wages. This coverage helps protect both the employer and employee in case of work-related injuries or illnesses. It provides financial support for medical expenses, lost wages, and rehabilitation services, helping employers meet legal requirements and support injured workers during recovery.
Who Needs It
Any business employing low-wage electricians—whether independent contractors, subcontractors, or part of a larger electrical company—should consider this coverage. It’s especially important for businesses working on residential and small commercial projects, where electricians may face common job site hazards such as electrical shocks, falls, or repetitive stress injuries. In many states, workers’ compensation is legally required once a business hires its first employee.
What It Typically Covers
This type of policy generally includes:
- Medical expenses: Hospital visits, surgeries, medications, and other treatments related to a covered injury.
- Lost wages: Partial wage replacement while the employee recovers and cannot work.
- Rehabilitation: Physical therapy or vocational training if the worker needs to transition to a different role.
- Disability benefits: Compensation for temporary or permanent disability resulting from a workplace accident.
- Death benefits: Financial support for dependents if an employee dies due to a job-related incident.
Common Exclusions and Limitations
While coverage is broad, there are some common exclusions:
- Injuries resulting from intoxication or drug use
- Self-inflicted injuries
- Injuries occurring outside of work duties or job site
- Independent contractors not classified as employees (unless specifically covered)
- Pre-existing conditions not aggravated by job duties
Always review your policy details to understand what is and isn’t covered.
Factors That Influence Cost
Several factors determine the cost of electricians low wage workers compensation insurance:
- Payroll size: Higher payroll often results in higher premiums.
- Job risk level: Electrical work carries inherent risks that can impact rates.
- Claims history: Businesses with multiple past claims may face higher premiums.
- State regulations: Each state has its own rules and base rates for workers’ comp.
- Safety practices: Employers with strong safety programs may receive better rates.
Proof of Insurance & Compliance
Most states require employers to carry valid workers' compensation insurance and provide proof when requested—especially when bidding on projects or undergoing inspections. Proof typically comes in the form of a certificate of insurance (COI), which outlines policy details and confirms active coverage. Failing to comply can result in fines, penalties, or stop-work orders, depending on your state.
How to Get a Quote
Getting a quote for electricians low wage workers compensation is simple. Gather details about your payroll, number of employees, and job duties. Then, request a quote to find a policy that fits your business needs.
Frequently Asked Questions
What is class code 5190?
Class code 5190 refers to workers’ compensation insurance for electricians, specifically those performing lower-wage electrical work, defined by job scope and risk level.
Is workers’ comp required for part-time electricians?
In most states, yes. Workers’ compensation is generally required for all employees, including part-time and temporary workers.
Does this coverage include subcontractors?
Not automatically. Subcontractors are usually considered independent contractors, so they must carry their own workers’ comp unless specifically added to your policy.
Can I get coverage if I only have one employee?
Yes. Many states require coverage even if you have just one employee. It’s best to check your state’s specific requirements.
What happens if I don't carry workers’ comp?
Operating without required coverage can result in legal penalties, including fines, lawsuits, and stop-work orders.
Still have questions? Talk to a local insurance expert.