PA Workers Comp Calculator
Electrical contracting is a high-skill, high-hazard trade in Pennsylvania. Electrocution, arc flash incidents, and falls are the primary severe hazards — but the industry has strong safety standards and meaningful opportunities to reduce workers' comp costs through EMR management.
Electrical workers face elevated risks from electrical shock and arc flash incidents, falls during overhead wiring and installation work, and the physical demands of pulling wire and conduit. The trade has a culture of electrical safety training that helps — but injuries still occur regularly.
2026 Workers' Comp Rates for Electrical Contractors in Pennsylvania
Based on 2026 PCRB loss costs · LCM 1.50 · EMR 1.00 · Includes $350 expense constant + PA 2.18% assessment. Actual carrier premiums will vary.
| Class Code | Description | Loss Cost | $50K Payroll | $100K Payroll | $250K Payroll | $500K Payroll |
|---|---|---|---|---|---|---|
| 461 | MACHINE SHOP | $0.961 | $1,094 | $1,831 | $4,040 | $7,722 |
| 463 | AUTOMOBILE MFG. | $1.027 | $1,145 | $1,932 | $4,293 | $8,228 |
* LCM 1.50 · EMR 1.00 · Expense constant $350 · PA Act 57 assessment 2.18%
Common Workers' Comp Risks in Electrical Contractors
- ▸ Electrical shock and electrocution
- ▸ Arc flash burns
- ▸ Falls from ladders and elevated work platforms
- ▸ Eye injuries from arcing and debris
- ▸ Overexertion from wire pulling and conduit bending
- ▸ Struck-by injuries in construction environments
How to Reduce Your Workers' Comp Cost in Electrical Contractors
Industry-specific strategies that lower your premium — not generic advice.
- Maintain current NFPA 70E arc flash training and PPE for all field employees
- Document electrical lockout/tagout compliance rigorously
- Separate low-voltage work from line voltage work if codes differ
- Separate estimating, design, and office payroll to Code 953
Calculate Your Electrical Workers' Comp Premium
Enter your actual payroll, class code, LCM, and EMR for a personalized 2026 estimate.
Frequently Asked Questions — Electrical Contractors Workers' Comp in PA
What class code does an electrical contractor use in Pennsylvania?
Most electrical contractors use Code 461 (Electrical wiring contractor - within buildings) or Code 462 (Electric light or power line construction). The right code depends on your work type — inside wiring vs. line construction carries different loss costs. Code 463 (Electrical wiring contractor - appliance installation) applies for some specialties.