NEC CodeFebruary 3, 2025• 15 min read

NEC Article 240 Explained: Complete Guide to Overcurrent Protection

Master the requirements for fuses, circuit breakers, conductor protection, and tap rules. Essential knowledge for every electrician.

MAIN 200ACartridge FusePanel

What is Overcurrent Protection?

Overcurrent protection is the backbone of electrical safety. NEC Article 240 covers the requirements for overcurrent protective devices (OCPDs) including fuses and circuit breakers. These devices protect conductors and equipment from damage caused by overcurrent conditions—whether from overloads or short circuits.

Without proper overcurrent protection, conductors can overheat, insulation can fail, and fires can result. Understanding Article 240 is essential for sizing breakers correctly and ensuring safe installations.

Standard Ampere Ratings (240.6)

The NEC specifies standard ampere ratings for fuses and fixed-trip circuit breakers. You must use these standard sizes:

15, 20, 25, 30, 35, 40, 45, 50, 60, 70, 80, 90, 100, 110, 125, 150, 175, 200, 225, 250, 300, 350, 400, 450, 500, 600, 700, 800, 1000, 1200, 1600, 2000, 2500, 3000, 4000, 5000, 6000

For circuits 800A and below, if the conductor ampacity doesn't match a standard rating, you may use the next higher standard rating—but only if certain conditions are met per 240.4(B).

Conductor Protection (240.4)

The fundamental rule: Conductors must be protected at their ampacity. The OCPD rating cannot exceed the conductor's ampacity as determined by NEC Table 310.16.

20ALOAD16A maxOCPD Rating#12 AWG25A capacityBreaker ≤ Wire Ampacity20A ≤ 25A ✓

Small Conductor Rules (240.4(D))

For small conductors, specific maximum OCPD ratings apply:

Conductor SizeMaximum OCPD
#14 AWG Copper15 Amperes
#12 AWG Copper20 Amperes
#10 AWG Copper30 Amperes

Tap Rules (240.21)

Tap conductors are an exception to the general rule that OCPDs must be at the point where conductors receive their supply. The NEC allows taps under specific conditions.

10-Foot Tap Rule (240.21(B)(1))

The most commonly used tap rule allows conductors up to 10 feet without overcurrent protection at the tap point:

Main Feeder - 100A≤ 10 ft30A10-Foot Tap Rule• Length ≤ 10 feet• Ampacity ≥ combined loads• Ends at single OCPD

10-Foot Tap Requirements:

  • Tap length ≤ 10 feet
  • Tap ampacity ≥ 10% of feeder OCPD rating
  • Tap ampacity ≥ combined calculated loads
  • Tap does not extend beyond the equipment it supplies
  • Tap is enclosed in raceway (except at point of termination)
  • Tap terminates in a single OCPD that limits current to tap ampacity

25-Foot Tap Rule (240.21(B)(2))

For longer taps in installations with higher voltage or larger feeders:

  • Tap length ≤ 25 feet
  • Tap ampacity ≥ 1/3 of feeder OCPD rating
  • Tap terminates in a single OCPD
  • Tap is protected from physical damage

Circuit Breaker vs. Fuse

Both serve the same purpose but operate differently:

Circuit Breakers

  • • Resettable after tripping
  • • Higher initial cost
  • • Easier to operate
  • • May wear over time
  • • Standard in most panels

Fuses

  • • Must be replaced after operation
  • • Lower initial cost
  • • Faster response to faults
  • • No mechanical wear
  • • Common in industrial settings

Ground-Fault Protection of Equipment (240.13)

For solidly grounded wye electrical services of more than 150 volts to ground but not exceeding 1000 volts phase-to-phase, with each disconnect rated 1000 amperes or more, ground-fault protection of equipment (GFPE) is required.

This is different from GFCI protection—GFPE protects equipment from ground faults, while GFCI protects people from shock hazards.

Common Mistakes to Avoid

Watch Out For:

  • Oversizing breakers: Never upsize a breaker to stop nuisance tripping—find the cause instead
  • Ignoring temperature ratings: Ampacity depends on conductor temperature rating and terminal ratings
  • Improper tap applications: Verify all tap rule conditions are met
  • Mismatched breakers: Only use breakers listed for your panel

Quick Reference: OCPD Sizing Steps

  1. 1. Calculate the load current
  2. 2. Size conductors per NEC Table 310.16 (with corrections)
  3. 3. Select OCPD ≤ conductor ampacity
  4. 4. Verify OCPD rating is a standard size per 240.6
  5. 5. Check for any special requirements (motors, A/C, etc.)

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