For electrician workers comp insurance, electrical contractors are classified by the work their crews do, and each state uses its own system. California publishes a wage-split pair for wiring inside buildings, while Arizona and Nevada use NCCI classifications, so a code from one state never carries to another.
California. Electrical contractors hold the C-10 Electrical license from the CSLB, and workers comp is required from the first employee. A C-10 holder working alone may file a no-employee exemption for now; that option is scheduled to end on January 1, 2028, and the rule could still change. The California electrician workers comp insurance page covers the wage split, outside electrical work and the audit.
Arizona. The Registrar of Contractors licenses electrical work under the C-11 and R-11 Electrical classes. Under Arizona Revised Statutes 23-902, when a contractor keeps supervision or control over work that is part of its own trade, the subcontractors doing that work and their employees may be treated as its employees. General contractors often ask electrical subs for proof of coverage for that reason. The owner rules, subs and audit records for Arizona are covered in Arizona electrician workers compensation.
Nevada. Workers comp is called industrial insurance, and the State Contractors Board licenses electrical contractors under C-2a Electrical Wiring. Nevada treats subcontractors and their workers as employees of the principal contractor, and from October 1, 2026 each employee's pay counts only up to a per-employee limit, $102,452.16 on policies from January 1, 2027. The payroll limit, owner rules and audit records for Nevada are covered in Nevada electrician workers compensation.
In California, the WCIRB publishes electrical wiring inside buildings as a pair split by regular hourly wage at $40.00 for policies from September 1, 2026: 5190 below the line and 5140 at or above it. The WCIRB's notes send overhead power lines, underground wiring and conduit, solar panels and data cabling to other published classifications, so a contractor with mixed work may report under more than one.
Arizona and Nevada use NCCI classifications, which this site doesn't publish. In every state, classification depends on the duties crews actually perform and the carrier's determination; we don't assign or confirm codes. The workers comp class code lookup explains who publishes each state's list, and crews that mostly pull data and fiber are covered under low voltage cabling workers comp.
Workers comp is for injuries to your own employees. Damage to a customer's building after a job, a dispute over a contract or an accident in a work truck typically falls to other coverage. For the trucks and vans, see commercial auto for an electrical contractor's vehicles on our sister site.
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Not across state lines. The California job is reported under the WCIRB's wage-split electrical pair, while the Nevada job goes under an NCCI classification with its own number, so the same electrician's hours may land in two classifications on two state schedules. The carrier makes the call in each state, so keep hours by job and state.
Nevada treats subcontractors and their employees as employees of the principal contractor, and the independent-enterprise exception doesn't apply to a principal contractor licensed by the State Contractors Board. Ask every sub for proof of industrial insurance, and confirm with your carrier how an uninsured sub would be handled at audit.
In California it is C-10 Electrical from the CSLB. Arizona's Registrar of Contractors uses the C-11 and R-11 Electrical classes, and Nevada's State Contractors Board uses C-2a Electrical Wiring. Each board sets its own rules, so check the license detail with the board before bidding.
Payroll by person with regular hourly rates, a rough split between interior wiring and any outside, underground or solar work, your renewal month and the states you work in. A broker reviews every request, and options can depend on size, losses and the type of work.
Not before checking what the low number assumes. An electrical quote can come in under others because it reads your crew's wages against the California wage line differently, leaves out work above 600 volts or outside line work, or skips a waiver of subrogation a general contractor will ask for. Those gaps tend to surface at audit or on the next job's certificate request. See what makes one workers comp quote cheaper.
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Reviewed by David Gleason, Principal, on .
Next Level Experience. Insurance Done Right.
Electrician workers comp for electrical contractors in California, Arizona and Nevada.
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