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Workers’ comp insurance cost for electricians in Delaware
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
- 58% of DE electrical contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- Delaware sits 32nd of 51: MD pays more ($2.35), AZ less ($1.81).
- Workers’ comp is one of several coverages — see everything your electrical shop needs in Delaware →
What do Delaware electrical contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of DE electrical contractors
bar height = how many electrical contractors are that size · figures = modeled annual cost
Cohort: size distribution of 283 DE electrical contractors (Census CBP 2023); premiums modeled from one filed rate ($2.09/$100 payroll, 2024). Bands shown cover 266 of 283 establishments (94.0%) — 17 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.
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 Delaware 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 |
|---|---|---|
| 28 | Mississippi | $2.28 |
| 29 | Alaska | $2.23 |
| 30 | Nebraska | $2.22 |
| 31 | Idaho | $2.11 |
| 32 | Delaware | $2.09 |
| 33 | Washington | $2.07 |
| 34 | Colorado | $2.06 |
| 35 | Massachusetts | $2.02 |
| 36 | Tennessee | $2.00 |
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 Delaware?
Modeled from the 2024 filed manual rate of $2.09 per $100 of payroll: a <5-employee electrical shop lands around $1.1k–$4.6k 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: Idaho ($2.11) · Colorado ($2.06) · Nebraska ($2.22) · Massachusetts ($2.02)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 283 Delaware electrical contractors; your premium depends on your payroll, claims history, and carrier.