Insurance for your business
- Auto repair shops
- Bars
- Carpenters
- Electricians
- Fast food
- Home-health agencies
- Painters
- Physician offices
- Restaurants
- Roofers
- Trucking companies
Learn
Compare two coverages
Workers’ comp insurance cost for electricians in Texas
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
- 53% of TX electrical contractors have <5 employees — the chart below prices every size band from its own observed payroll.
- Texas sits 23rd of 51: NC pays more ($2.71), MS less ($2.28).
- Workers’ comp is one of several coverages — see everything your electrical shop needs in Texas →
What do Texas electrical contractors pay for workers’ comp?
Modeled annual premium across the real size distribution of TX electrical contractors
bar height = how many electrical contractors are that size · figures = modeled annual cost
Cohort: size distribution of 6,124 TX electrical contractors (Census CBP 2023); premiums modeled from one filed rate ($2.51/$100 payroll, 2024). Bands shown cover 6,075 of 6,124 establishments (99.2%) — 49 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) · Texas Dept. of Insurance — WC insurance-company rate filings (LCMs + schedule rating) (as of 2026-05-28, retrieved 2026-06-05)
How does Texas 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 |
|---|---|---|
| 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 |
| 26 | New Mexico | $2.37 |
| 27 | Maryland | $2.35 |
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 Texas?
Modeled from the 2024 filed manual rate of $2.51 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.
Why do quotes for the same business differ so much between insurers?
Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.
Electricians in nearby-ranked states: South Dakota ($2.51) · Wisconsin ($2.53) · Missouri ($2.56) · New Mexico ($2.37)
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 6,124 Texas electrical contractors; your premium depends on your payroll, claims history, and carrier.