Workers’ comp insurance cost for electricians in Mississippi

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

Modeled from the 2024 filed manual rate of $2.28 per $100 of payroll: a <5-employee electrical shop lands around $1.2k–$4.7k 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: Mississippi electrical contractors pay a filed workers’-comp manual rate of $2.28 per $100 of payroll (2024 filed rate) — the 28th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee electrical contractors land around $1.2k–$4.7k/yr, before experience mods and schedule credits.

51% of MS electrical contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Mississippi sits 28th of 51: TX pays more ($2.51), WA less ($2.07).
Workers’ comp is one of several coverages — see everything your electrical shop needs in Mississippi →

What do Mississippi electrical contractors pay for workers’ comp?

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

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

typical · most MS electrical contractors

▼

<5 emp

≈$2k/yr

5–9 emp

≈$7.4k/yr

10–19 emp

≈$16k/yr

20–49 emp

≈$35k/yr

50–99 emp

≈$95k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee MS electrical shop: modeled $1.2k–$4.7k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 478 MS electrical contractors fall in each size band.

Cohort: size distribution of 478 MS electrical contractors (Census CBP 2023); premiums modeled from one filed rate ($2.28/$100 payroll, 2024). Bands shown cover 474 of 478 establishments (99.2%) — 4 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 (MS)

$2.28 / $100 payroll

as of 2024

Typical <5-employee electrical shop (51% of MS)

$1.2k–$4.7k / 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 Mississippi 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
24	South Dakota	$2.51
25	Rhode Island	$2.41
26	New Mexico	$2.37
27	Maryland	$2.35
28	Mississippi	$2.28
29	Alaska	$2.23
30	Nebraska	$2.22
31	Idaho	$2.11
32	Delaware	$2.09

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 Mississippi?

Modeled from the 2024 filed manual rate of $2.28 per $100 of payroll: a <5-employee electrical shop lands around $1.2k–$4.7k 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: Maryland ($2.35) · Nebraska ($2.22) · New Mexico ($2.37) · Idaho ($2.11)

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 478 Mississippi electrical contractors; your premium depends on your payroll, claims history, and carrier.