What should a California contractor prepare for a business insurance review?

Prepare the business name, license or trade information, employee and payroll details, operations, vehicles or equipment when relevant, contracts, prior coverage, and claims history. A licensed team member can then review the request subject to carrier eligibility, policy terms, and underwriting.

How are business insurance limits or terms selected for a contractor?

Limits and terms are not universal. They can be influenced by the contractor's actual work, contracts, employee duties, vehicle use, project requirements, prior loss history, carrier guidelines, and applicable California requirements. The appropriate structure must be reviewed for the individual operation.

Can Asena provide an exact price or guarantee coverage for this page?

No. Any indication is preliminary until complete information is reviewed. Availability, pricing, limits, effective dates, certificates, and coverage are subject to carrier eligibility, policy terms, underwriting, and written confirmation.

WCIRB Class 5190 (Electrical) Explained

Quick Answer

WCIRB Class 5190 — Electrical Wiring covers California C-10 electrical contractors. Rates: pricing varies by classification, payroll, operations, claims history, limits, and underwriting per $100 of payroll. Low-voltage technicians (data cabling, security systems, AV) qualify for the much cheaper Class 5191 at pricing varies by classification, payroll, operations, claims history, limits, and underwriting/$100 — make sure your payroll is split. Call (858) 925-9555.

What Class 5190 Includes

Electrical wiring installation and repair
Service panel installation and upgrade
Fixture installation
General residential and commercial electrical work

Class 5191 — Low Voltage Tech

A separate cheaper class for: - Data cabling - Security and alarm systems - Audio/video installation - Low-voltage lighting controls

If your techs split time between 5190 and 5191 work, properly allocating payroll between the two codes can cut premium significantly.

How to Lower Class 5190 Rates

Split payroll correctly between 5190 and 5191
Lower X-Mod through claim management
Implement arc-flash safety training (premium credit available)
Officer exclusion if eligible

Cost Example

A 3-employee crew with $180,000 payroll at $5/$100 has a base premium of $9,000. Properly splitting 30% into Class 5191 at $2.50/$100 yields: ($126K × $5/$100) + ($54K × $2.50/$100) = $6,300 + $1,350 = $7,650 — a $1,350 annual savings.

Low-voltage techs in your crew? Call (858) 925-9555 — we'll split your codes correctly.

Related: C-10 Electrical License · WC Class Codes

Call (858) 925-9555 — electrical WC done right.