Every day, electricians step into situations where one mistake or unsafe condition can change their lives — live wires, unstable ladders, cramped spaces, and unpredictable job sites. These risks highlight why workers’ compensation for electricians is so essential. Many electricians also want to understand how coverage works in practice, including questions about “ghost policies” and classification codes—trying to sort through insurance jargon while on the job or recovering from an injury can be overwhelming.
With over 25 years of experience representing injured workers in Naperville and across Illinois, Marker Law, LLC is known for combining deep knowledge of Illinois workers’ compensation law with clear communication and personal support, so electricians don’t have to face these issues alone.
This guide will explain how workers’ compensation for electricians works, what the workers’ comp code 5190 means, and how “ghost policies” fit into the picture.
Contact us today at 331-295-8005 to discuss your case and learn how we can help you.
What Does Workers’ Compensation for Electricians Cover?
Workers’ compensation for electricians provides a safety net when something goes wrong. Its purpose is to protect electricians from the financial shock of a workplace injury, so they’re not left paying medical bills or losing paychecks while they recover. This protection is essential for electricians who regularly work around live wires, ladders, heavy equipment, and unpredictable job sites.
In Illinois, workers’ compensation typically covers:
- Medical expenses. Workers’ comp pays for emergency care, hospital bills, surgery, follow-up visits, physical therapy, and medications related to the injury.
- Lost wages. Temporary total disability (TTD) benefits replace a portion of income while the injured person is out of work. Permanent partial disability (PPD) benefits provide compensation for a lasting impairment.
- Vocational rehabilitation. Workers’ comp can pay for training or job placement services if injuries prevent returning to electrical work.
- Death benefits. Workers’ compensation provides financial support for dependents if a workplace accident is fatal.
The overall goal of workers’ compensation is to ensure electricians receive prompt medical care, reliable income replacement, and continued access to essential support services without having to prove fault or bring a lawsuit against their employer.
What Are the Risks of Electrical Work?
Electricians face hazards on almost every job site. These dangers are why workers’ compensation coverage for electricians exists and why premiums tend to be higher than for low-risk occupations. The greater the risk, the higher the workers’ comp insurance premium.
Common jobsite risks include:
- Electrical shocks and burns,
- Falls from heights,
- Arc flashes and explosions,
- Repetitive strain injuries,
- Heavy equipment and tools,
- Unpredictable job site conditions,
- Confined spaces and poor visibility, and
- Other contractors on site.
Because of these risks, electricians’ workers’ compensation classification codes reflect the elevated level of danger. This higher risk is directly tied to higher workers’ compensation insurance premiums and highlights the need for accurate coverage tailored to the electrical trade.
FAQs About Workers’ Compensation for Electricians
What Is the Workers’ Comp Code for Electrical Work?
Every workers’ compensation policy uses classification codes to identify the type of work performed and the level of risk involved. These codes help determine insurance premiums and coverage.
The standard classification for most electricians who perform inside electrical wiring is workers’ comp code 5190. This code applies to installing, servicing, and repairing electrical systems inside buildings.
A different workers’ comp code exists for electricians working on outside power lines or high-voltage transmission systems. These higher-risk codes generally have higher premiums. Ensuring that the correct code is listed on a policy is vital. An incorrect classification can lead to denied claims, unexpected costs, or gaps in coverage.
What Is a Ghost Policy?
A ghost policy is a bare-bones workers’ compensation policy typically purchased by sole proprietors or independent contractors with no employees. It provides a certificate of insurance to satisfy legal or contractual requirements, such as when a general contractor demands proof of workers’ comp from subcontractors.
Because no employees are listed and the owner is excluded, a ghost policy does not pay benefits for the electrician’s own injuries. It offers no wage replacement, medical benefits, or death benefits if the electrician is injured. It is a paperwork-only policy that functions primarily as proof of insurance for contractual compliance and protects the hiring company from liability.
Who Uses a Ghost Policy?
Electricians might use a ghost policy if they are:
- An independent electrician bidding on jobs—where the general contractor requires proof of workers’ comp insurance;
- A sole proprietor with no employees—who must provide a certificate of insurance for licensing or contract purposes; or
- Working as a subcontractor—on projects where the primary contractor mandates coverage for all trades.
Electricians who want actual protection must either purchase a workers’ comp policy naming them as covered employees or buy separate coverage, such as occupational accident or disability insurance.
Contact Marker Law, LLC Today
Electrical work carries significant risks. A single accident can threaten both health and livelihood. Whether working as a full-time employee or an independent contractor, having the right workers’ compensation coverage matters.
Marker Law, LLC has been recognized by Super Lawyers for over a decade and was nominated for Best of Naperville in 2024. This recognition reflects both the firm’s results and reputation in the community. Most importantly, the firm is known for treating clients with respect, clear communication, and relentless advocacy.
Contact Marker Law in Naperville today for a free consultation. Learn how experienced attorneys can explain workers’ compensation for electricians, workers’ comp code 5190, evaluate coverage options, and protect electricians’ rights under Illinois law.