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Workers’ comp insurance cost for electricians in New Hampshire
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
- 72% of NH electrical contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- New Hampshire sits 11th of 51: FL pays more ($3.23), LA less ($2.75).
- Workers’ comp is one of several coverages — see everything your electrical shop needs in New Hampshire →
What do New Hampshire electrical contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of NH electrical contractors
bar height = how many electrical contractors are that size · figures = modeled annual cost
Cohort: size distribution of 682 NH electrical contractors (Census CBP 2023); premiums modeled from one filed rate ($2.97/$100 payroll, 2024). Bands shown cover 678 of 682 establishments (99.4%) — 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.
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 New Hampshire 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 |
|---|---|---|
| 7 | Montana | $3.22 |
| 8 | Connecticut | $3.21 |
| 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 |
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 New Hampshire?
Modeled from the 2024 filed manual rate of $2.97 per $100 of payroll: a <5-employee electrical shop lands around $1.9k–$7.6k 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) · Alabama ($2.93) · South Carolina ($3.09) · Connecticut ($3.21)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 682 New Hampshire electrical contractors; your premium depends on your payroll, claims history, and carrier.