Contractors
Class Code 5190: Electrical Wiring—Within Buildings & Drivers — Workers' Comp Insurance
Covers electrical contractors wiring the interior of buildings — running conduit, pulling wire, and installing fixtures and panels — along with the contractor's drivers. It's one of the most common electrical trade classifications for new construction and remodel work inside buildings.
- Risk level:
- elevated
What code 5190 covers
Class 5190 applies to electricians and electrical contractors performing wiring work within buildings, including running conduit and cable, installing outlets, switches, panels, and fixtures, and connecting electrical systems as part of new construction, renovation, or service work. It covers both journeyman and apprentice electricians along with drivers who transport crews, tools, and materials between job sites. The classification contemplates typical electrical hazards — shock, arc flash, and working from ladders — but does not extend to outside/overhead line work or high-voltage utility work, which involves substantially different exposure and its own classification. Electrical contractors doing both new construction and service/repair work are generally covered under this same code, since the underlying wiring work is similar regardless of whether it's a new install or a repair call.
Included operations
- Running conduit and pulling wire within buildings
- Installing outlets, switches, panels, and fixtures
- New construction and remodel electrical work
- Service and repair calls on existing wiring
- Drivers transporting crews, tools, and materials
Assigned elsewhere
- Outside/overhead power line construction or high-voltage utility work, evaluated under a separate, specialized classification
- Burglar or fire alarm system installation, evaluated under the applicable classification
- Elevator wiring performed as part of elevator installation, evaluated under the applicable classification
- Telecommunications or cable wiring performed by a telecom provider — see code 7600
Businesses that typically carry 5190
- Residential electrical contractors
- Commercial electrical contractors
- Electrical service and repair companies
- Small, owner-operated contracting businesses
- Regional trade contracting companies
- Subcontractors working for general contractors
- Design-build contracting firms
Common misclassifications
Code 5606
An electrical contracting firm's owner or project manager who is purely supervisory, with no tool work, may qualify for the lower-hazard executive/supervisor classification instead of the field electrician code.
Code 7600
Electricians who also do telecom or cable wiring on the same job can blend two different classifications if that scope of work isn't tracked separately.
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What drives the cost of code 5190
- Total payroll for employees performing the classified work, not gross receipts
- Experience modification factor built from claims history
- State-specific base rates and loss costs filed for this class code
- Use of subcontractors and whether they carry their own workers' comp coverage
- Safety programs, jobsite supervision, and documented training
- Payroll properly split across multiple classifications when work crosses trades
What underwriters look for
- Years in business and prior workers' comp loss history
- Types of jobs typically performed (new construction, remodel, residential vs. commercial) and average job size
- Whether subcontractors are used and certificates of insurance are collected and tracked
- Total payroll for employees actually performing the classified work
- Safety program, training documentation, and any OSHA history
Eligibility
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 5190 fits
Quote class code 5190.
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Class code 5190 questions
Does this code cover both new construction and repair work?
Yes, 5190 covers electrical wiring work within buildings whether it's new construction, a remodel, or a service/repair call.
What about outside power line work?
Overhead line and high-voltage utility work is a separate, more specialized classification given the very different exposure involved.
Are our drivers who transport tools and materials included?
Yes, drivers supporting the electrical crews are part of this classification.
Does this cover low-voltage or alarm system wiring?
Burglar and fire alarm system installation is typically evaluated under its own classification rather than this general electrical wiring code.
Last reviewed · Reviewed by Provident Financial Group licensed agents