Electricians vs Plumbers: Insurance Cost & Coverage Comparison
Electricians and plumbers face different insurance costs due to their unique hazards. Compare rates, coverage requirements, and annual costs.
Workers' Compensation Rates
Electricians (C-10)
$2.20–$3.40 per $100 of payroll — Electrical hazard exposure
Plumbers (C-36)
$1.90–$2.80 per $100 of payroll — Lower rates than electricians
Primary Hazards
Electricians
- • Electrical shock and electrocution
- • Arc flash burns
- • Falls from heights
- • Tool-related injuries
Plumbers
- • Exposure to contaminated water
- • Lifting and back injuries
- • Confined space hazards
- • Tool-related injuries
Annual Insurance Cost ($200k Payroll)
Electrician WC + GL:$5,200–$7,800
Plumber WC + GL:$4,500–$6,800
Electrician Premium Difference:+$700–$1,000/year
Common Questions
Why do electricians pay more than plumbers?
Electrical work carries higher hazard exposure (electrocution, arc flash). Insurance rates reflect this increased risk.
Do electricians need special coverage?
Yes. Electricians should carry GL coverage with electrical hazard endorsements and consider tools & equipment insurance.
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