Workers’ comp insurance cost for electricians in Alabama

Q: What does workers' comp cost electrical contractors in Alabama?

Modeled from the 2024 filed manual rate of $2.93 per $100 of payroll: a <5-employee electrical shop lands around $1.5k–$6k per year before experience mods and schedule credits.

Q: What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Electrical wiring work is NCCI class 5190 — it covers electrical wiring within buildings, including installation of fixtures and appliances.

Published 2026-06-05 · Updated 2026-06-11 · by Brokly

Direct answer: Alabama electrical contractors pay a filed workers’-comp manual rate of $2.93 per $100 of payroll (2024 filed rate) — the 13th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee electrical contractors land around $1.5k–$6k/yr, before experience mods and schedule credits.

50% of AL electrical contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Alabama sits 13th of 51: CT pays more ($3.21), NC less ($2.71).
Workers’ comp is one of several coverages — see everything your electrical shop needs in Alabama →

What do Alabama electrical contractors pay for workers’ comp?

Modeled annual premium across the real size distribution of AL electrical contractors

bar height = how many electrical contractors are that size · figures = modeled annual cost

typical · most AL electrical contractors

▼

<5 emp

≈$2.9k/yr

5–9 emp

≈$9.3k/yr

10–19 emp

≈$22k/yr

20–49 emp

≈$53k/yr

50–99 emp

≈$140k/yr

100–249 emp

≈$270k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee AL electrical shop: modeled $1.5k–$6k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 1,013 AL electrical contractors fall in each size band.

Cohort: size distribution of 1,013 AL electrical contractors (Census CBP 2023); premiums modeled from one filed rate ($2.93/$100 payroll, 2024). Bands shown cover 1,010 of 1,013 establishments (99.7%) — 3 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (AL)

$2.93 / $100 payroll

as of 2024

Typical <5-employee electrical shop (50% of AL)

$1.5k–$6k / yr modeled

as of 2024 · CBP 2023

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Electrical contractors (NAICS 238210)) (as of 2023, retrieved 2026-06-05)

How does Alabama compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 5190 (Electrical Wiring — Within Buildings), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
9	South Carolina	$3.09
10	Vermont	$3.04
11	New Hampshire	$2.97
12	Georgia	$2.93
13	Alabama	$2.93
14	Oklahoma	$2.87
15	California	$2.78
16	Louisiana	$2.75
17	Pennsylvania	$2.72

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)

Frequently asked questions

What does workers' comp cost electrical contractors in Alabama?

Modeled from the 2024 filed manual rate of $2.93 per $100 of payroll: a <5-employee electrical shop lands around $1.5k–$6k per year before experience mods and schedule credits.

What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Electrical wiring work is NCCI class 5190 — it covers electrical wiring within buildings, including installation of fixtures and appliances.

Electricians in nearby-ranked states: Georgia ($2.93) · Oklahoma ($2.87) · California ($2.78) · New Hampshire ($2.97)

Stay informed

We’ll notify you when we’re ready to benchmark your electrical shop’s coverage.

No spam — one email.

Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,013 Alabama electrical contractors; your premium depends on your payroll, claims history, and carrier.