Workers’ comp insurance cost for electricians in Pennsylvania

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

Modeled from the 2024 filed manual rate of $2.72 per $100 of payroll: a <5-employee electrical shop lands around $1.4k–$5.6k 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: Pennsylvania electrical contractors pay a filed workers’-comp manual rate of $2.72 per $100 of payroll (2024 filed rate) — the 17th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee electrical contractors land around $1.4k–$5.6k/yr, before experience mods and schedule credits.

59% of PA electrical contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Pennsylvania sits 17th of 51: GA pays more ($2.93), WI less ($2.53).
Workers’ comp is one of several coverages — see everything your electrical shop needs in Pennsylvania →

What do Pennsylvania electrical contractors pay for workers’ comp?

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

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

typical · most PA electrical contractors

▼

<5 emp

≈$2.5k/yr

5–9 emp

≈$10k/yr

10–19 emp

≈$25k/yr

20–49 emp

≈$65k/yr

50–99 emp

≈$170k/yr

100–249 emp

≈$360k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee PA electrical shop: modeled $1.4k–$5.6k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 2,750 PA electrical contractors fall in each size band.

Cohort: size distribution of 2,750 PA electrical contractors (Census CBP 2023); premiums modeled from one filed rate ($2.72/$100 payroll, 2024). Bands shown cover 2,741 of 2,750 establishments (99.7%) — 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.

Filed manual rate (PA)

$2.72 / $100 payroll

as of 2024

Typical <5-employee electrical shop (59% of PA)

$1.4k–$5.6k / 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 Pennsylvania 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
13	Alabama	$2.93
14	Oklahoma	$2.87
15	California	$2.78
16	Louisiana	$2.75
17	Pennsylvania	$2.72
18	North Carolina	$2.71
19	Minnesota	$2.67
20	Maine	$2.63
21	Missouri	$2.56

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 Pennsylvania?

Modeled from the 2024 filed manual rate of $2.72 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: Louisiana ($2.75) · North Carolina ($2.71) · California ($2.78) · Minnesota ($2.67)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 2,750 Pennsylvania electrical contractors; your premium depends on your payroll, claims history, and carrier.