North Dakota Electrical Workers Comp Rates (2026)
North Dakota employers buy electrical workers comp from the state fund. The 2026 base rate for class 5190 (Electrical - Wiring - Service and Repair) is $1.50 per $100 of payroll, before your experience modifier.
The state fund sets one base rate per class; your experience modifier moves it up or down. Source.
North Dakota class code for electrical
- 5190: Electrical - Wiring - Service and Repair
Monopolistic state fund with its own manual of about 140 rate classes; several numbers echo NCCI codes but scopes are broader (for example 5183 covers plumbing, HVAC and sheet metal together, and roofing is 5545 hot process or 5410 cold process).
Electrical work carries shock, arc flash and fall hazards. Outside power line construction is a separate class, 7538.
What comp costs per electrician in North Dakota
The Bureau of Labor Statistics counts 3,570 electricians on payrolls in North Dakota (May 2025), the 41st largest workforce among the 50 states and DC. The median wage is $31.59 an hour, 4% above the US median of $30.38.
This trade is a bigger part of the North Dakota job market than it is nationally: electricians hold 1.7 times their national share of jobs there.
At the North Dakota state fund's 2026 base rate of $1.50 per $100 of payroll for class 5190, comp on one worker at that wage costs about $0.47 for every hour worked, or $986 a year full time. A 2-person crew comes to roughly $1,971 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. North Dakota pay runs from $22.33 an hour at the 10th percentile to $48.57 at the 90th, so the same rate costs $0.33 an hour on a new hire and $0.73 on a senior hand.
Workers comp requirements in North Dakota
- Coverage required: Any employee (coverage in force before work begins)
- Owners and sole proprietors: Not required to cover self; optional personal coverage through WSI
- State fund: Monopolistic; coverage only from Workforce Safety & Insurance (WSI), no private carriers or self-insurance
- Waiting period: 5 days
- Penalty for going without: Up to $10,000 plus $100 per day, cease-and-desist orders, and liability for claim costs during the lapse
North Dakota is one of only four monopolistic states, and it allows neither private carriers nor self-insurance, only WSI.
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.