Class Code 5190 — Electrical Wiring Within Building and Drivers

Michigan Workers Compensation | NCCI Class Code 5190

What This Class Code Covers

Class code 5190 covers electrical contractors who perform wiring and electrical work within buildings. This includes installation of electrical systems, service panels, wiring, outlets, lighting, and related electrical components in commercial, industrial, and residential buildings. Electrical work is one of the most common construction classifications in Florida. Hazards include electrical shock and arc flash, falls from ladders and lifts, and working in confined spaces.

Who Is Classified Under Code 5190

Licensed electricians, electrical apprentices, electrical helpers, and drivers transporting electrical materials.

Michigan Rate for Class Code 5190

The current Michigan workers' compensation rate for class code 5190 is contact us for current rate. This rate is used to calculate your annual premium: (Total Payroll ÷ 100) × Rate. Your actual premium may be adjusted by your experience modification rate (EMR) and any applicable credits or debits.

Examples of Businesses Under Code 5190

A residential electrical contractor in Sarasota wiring new custom homes and performing service upgrades. A commercial electrical firm in Tampa installing complex electrical systems for large office buildings and retail centers.

Common Claims for Class Code 5190

Electrical shocks and burns are the most severe and common claims, often resulting in serious injury or fatality. Falls from ladders, cuts from wire stripping, and arc flash injuries also occur frequently.

Premium Reduction Tips

  • Arc flash hazard analysis and appropriate PPE are required for work on energized equipment
  • Separate low-risk office employees under code 8810
  • NFPA 70E compliance for electrical safety in the workplace is mandatory

Get a Quote for Class Code 5190 in Michigan

Bright Coast Insurance provides workers' compensation quotes for class code 5190 in Michigan. Call or text (239) 323-0785 or request a free quote online. We serve businesses statewide with same-day certificates of insurance available for qualifying accounts.

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