WCIRB Class 5190 (Electrical) Explained

Quick Answer

WCIRB Class 5190 — Electrical Wiring covers California C-10 electrical contractors. Rates: $2.50–$7 per $100 of payroll. Low-voltage technicians (data cabling, security systems, AV) qualify for the much cheaper Class 5191 at $1.50–$4/$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

1. Split payroll correctly between 5190 and 5191
2. Lower X-Mod through claim management
3. Implement arc-flash safety training (premium credit available)
4. 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.

Related: C-10 Electrical License · WC Class Codes