Mississippi Electrical Workers Comp Rates (2026)
Mississippi does not publish its electrical class figures online. Across the 26 states that do, the median typical premium is about $1.90 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Mississippi figure.
No official Mississippi figure is available online, so the numbers below use the US median of the states that publish one.
Mississippi class code for electrical
- 5190: Electrical Wiring - Within Buildings
- 7538 (Electric Light or Power Line Construction & Drivers)
Electrical work carries shock, arc flash and fall hazards. Outside power line construction is a separate class, 7538.
What comp costs per electrician in Mississippi
The Bureau of Labor Statistics counts 6,610 electricians on payrolls in Mississippi (May 2025), the 34th largest workforce among the 50 states and DC. The median wage is $29.26 an hour, 4% below the US median of $30.38.
Electricians make up about the same share of Mississippi jobs as they do nationally (location quotient 1.17).
At the US median of $1.90 per $100 of payroll (Mississippi does not publish its figure online), comp on one worker at that wage costs about $0.56 for every hour worked, or $1,156 a year full time. A 2-person crew comes to roughly $2,313 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Mississippi pay runs from $18.36 an hour at the 10th percentile to $36.80 at the 90th, so the same rate costs $0.35 an hour on a new hire and $0.70 on a senior hand.
Workers comp requirements in Mississippi
- Coverage required: 5+ employees; no construction carve-out
- Owners and sole proprietors: Owners excluded by default; may elect in at a statutory assumed wage
- State fund: Private market (no state fund)
- Waiting period: 5 days; retroactive if disability lasts more than 14 days
- Penalty for going without: Misdemeanor (up to $1,000 and/or a year), plus civil penalties up to $10,000
Mississippi is one of the few states with no construction carve-out, so a one-to-four-employee construction firm is not required to carry coverage.
Mississippi vs neighboring states
- Alabama: about $1.87 per $100 of payroll
Mississippi does not publish its figure, so the first row is the US median. Among neighbors that publish, Alabama is the cheapest for electrical comp at about $1.87 and Alabama the most expensive at about $1.87 per $100 of payroll.
If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.
What moves a electrical comp bill
- Electrical is one of the cheaper construction classes, so overstated payroll often costs more than the rate itself. Estimate payroll honestly at renewal and true it up at audit.
- Ladder falls and shocks are the typical claims. Lockout and tagout procedures that are actually followed are what keep the experience mod under 1.0.
- Low-voltage, alarm, and solar work can carry different class codes in some states. Ask your agent before you add those lines to the business.
- Office staff and estimators who stay out of the field can usually be rated as clerical. Keep their hours off the field timesheets.