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Workers’ comp insurance cost for electricians in Missouri
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
- 56% of MO electrical contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- Missouri sits 21st of 51: LA pays more ($2.75), NM less ($2.37).
- Workers’ comp is one of several coverages — see everything your electrical shop needs in Missouri →
What do Missouri electrical contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of MO electrical contractors
bar height = how many electrical contractors are that size · figures = modeled annual cost
Cohort: size distribution of 1,282 MO electrical contractors (Census CBP 2023); premiums modeled from one filed rate ($2.56/$100 payroll, 2024). Bands shown cover 1,273 of 1,282 establishments (99.3%) — 9 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 Missouri 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 |
|---|---|---|
| 17 | Pennsylvania | $2.72 |
| 18 | North Carolina | $2.71 |
| 19 | Minnesota | $2.67 |
| 20 | Maine | $2.63 |
| 21 | Missouri | $2.56 |
| 22 | Wisconsin | $2.53 |
| 23 | Texas | $2.51 |
| 24 | South Dakota | $2.51 |
| 25 | Rhode Island | $2.41 |
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 Missouri?
Modeled from the 2024 filed manual rate of $2.56 per $100 of payroll: a <5-employee electrical shop lands around $1.4k–$5.6k 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: Wisconsin ($2.53) · Minnesota ($2.67) · Texas ($2.51) · North Carolina ($2.71)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,282 Missouri electrical contractors; your premium depends on your payroll, claims history, and carrier.