Florida workers' comp · Published by Bright Coast Insurance
Workers' Comp for Florida Electricians
Here's who needs coverage at a Florida electrical company, what the listed rate for code 5190 means, and how to handle subs.
Last checked 2026-10-31 against FL DFS, Florida Statutes and FWCJUA sources.
Your work. Your crew. A quote reviewed by a licensed agent.
The numbers behind the ring
Class code and listed rate
| Code | Description | Rate per $100 payroll | |
|---|---|---|---|
| 5190 | Electrical Wiring W/In Building And Drivers | $2.969 |
Tap a row to load it into the explorer above.
Source: FWCJUA Current Rates — FWCJUA rate effective Jan 1, 2026. Retrieved: 2026-11-01. Not a quote.
Where electricians sit
All 9 verified Florida codes, ranked
- 5645Carpenters & framers$7.689
- 5551Roofers$6.752
- 5022Masons$5.220
- 5213Concrete contractors$5.184
- 5437Carpenters & framers$4.570
- 5474Painters$4.481
- 5221Concrete contractors$3.873
- 5190Electricians$2.969
- 5183Plumbers$2.737
How do I get covered fast?
If Florida requires coverage for your business, the simplest path is to have a policy in place before work starts. Bright Coast can quote it and explain the rules in plain language.
Source: FL DFS Division of Workers' Compensation: Coverage requirements — Checked: 2026-10-31
How the electrical class-code rate works
Bright Coast's lookup lists Florida class code 5190 at 2.969 per $100 of payroll, verified against the live FWCJUA table on October 25, 2026. Treat that number as a reference rate, not a quote. Your actual premium also depends on your payroll, your experience mod and the carrier that writes the policy.
Code 5190 carries the description ELECTRICAL WIRING W/IN BUILDING AND DRIVERS in Bright Coast's lookup.
The rate is stated per $100 of payroll. We don't show sample premiums here, because yours depends on your own payroll, experience mod and carrier.
FWCJUA, Florida's residual market for workers' comp, has rates and a pricing tool on its site.
Source: Bright Coast Florida WC class code lookup · FWCJUA published rate list · effective January 1, 2026 — Checked: 2026-10-31
Subcontractors and certificates for electricians
Get proof of coverage from every sub before they start. DFS says contractors must make sure subcontractors have workers' comp before work begins. If a sub has none, its workers become your employees, and you pay benefits if one of them is hurt on the job. Keep a current certificate on file for each sub.
FWCJUA's site has a Verify COI tool and a proof of coverage database link for checking a sub.
If Bright Coast writes your policy, Bright Coast says you can access your certificates 24/7 through its self-service client portal.
For help, call (239) 475-0361.
Source: FL DFS Division of Workers' Compensation: Coverage requirements · FWCJUA published rate list · effective January 1, 2026 — Checked: 2026-10-31
Asked every week
Quick answers
Can an owner of a Florida electrical company be exempt from workers' comp?
Possibly, if the business is a corporation or LLC that is active with the Florida Division of Corporations. The applicant attests to at least 10 percent ownership, pays a $50.00 fee, holds a valid driver license and cannot be tied to an active stop-work order. No more than three officers per company or affiliated group may be exempt.
What happens if my electrical business works without coverage?
You risk a stop-work order and a penalty. Under s. 440.107, the penalty is 2 times the premium you would have paid on your payroll for the uncovered period in the preceding 12 months, or $1,000, whichever is greater. In some cases the lookback is 24 months.
From our publisher
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