What 5190 covers
- Installing electrical wiring systems inside buildings.
- Installing small electrical fixtures such as plugs, fuses, and switches.
- Occasional minor work on electrical apparatus that is incidental to a job that is mainly wiring, per North Carolina's description.
What doesn't belong in 5190
- Installing electrical machinery or apparatus, which is generally 3724.
- Appliance repair and refrigeration servicing, in some states. Wisconsin's description includes installing or repairing fixtures and appliances, and some refrigeration service, in 5190.
- Telephone line installation and outside power line construction, which have their own classifications. In Wisconsin's description, cable installation in conduits or subways stays in 5190.
Official titles by state
Each rating bureau publishes its own definition. Titles below are quoted exactly as the bureau publishes them; follow the link for the full official description.
| State | Official title for 5190 | Source |
|---|---|---|
| North Carolina | ELECTRICAL WIRING - WITHIN BUILDINGS & DRIVERS | North Carolina bureau lookup |
| Wisconsin | ELECTRICAL WIRING-WITHIN BUILDINGS & DRIVERS | Wisconsin bureau: 5190 |
| New York | Electrical Wiring – Within Buildings – All Operations to Completion & Drivers | New York bureau: 5190 |
Codes 5190 is often confused with
What a premium audit looks at
- Invoices showing wiring work versus equipment installation or appliance repair.
- Whether any employees do outside line work on poles or underground.
Frequently asked questions
Is an electrical contractor always classified as 5190?
Wiring within buildings is 5190, but some electrical work is classified elsewhere — installing machinery or apparatus and outside line construction have their own classifications, and some states classify appliance repair separately.
Check the official manuals
- NCCI Class Look-Up The official tool for the states where NCCI administers the classification system.
- WCIRB California Classification Search California runs its own classification system; its code numbers don't map one-to-one to NCCI's.
- NYCIRB Classification Digest New York's official classification descriptions.
- WCRB Wisconsin Class Code Lookup Wisconsin's official classification descriptions.
- NCRB North Carolina Class Code Lookup North Carolina's official classification descriptions.
Rates aren't listed here on purpose. Class code rates and loss costs change by state, by carrier, and every year, so check the current figures with NCCI's Class Look-Up or your state's rating bureau (linked above), and with your own carrier for the rate on your policy.
Related terms
General information, not a classification ruling. Summaries on this page are written in plain English from the bureaus' published descriptions; the classification manual for the state where the work was performed governs, and the carrier and rating bureau determine the classification for any policy.
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