...'cause they can get hurt
Accidents happen. Working closely with an HVAC insurance company like Kickstand Insurance can help HVAC techs feel safe and secure on the job, and provide protections for lost wages and medical expenses.
To prevent financial losses, medical expenses and damages from disrupting your workflow, Kickstand Insurance provides various HVAC workers comp insurance policies to give you peace of mind if an injury occurs on the job.
Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.
If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.
Since the company had a workers comp policy, they do not need to pay anything towards the bills.
The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.
The rate is based on the level of risk for that job description.
Premiums are primarily calculated by using your payroll numbers and your NCCI class code.
5537 - Heating, Ventilation, Air-Conditioning Systems-Installation, Service and Repair
5537 - HVAC Services
5537 - Heating, Ventilation, Air-Conditioning Contractor
5537 - Refrigeration and Cooling Systems - Installation and Repair
Don't see your business classification?
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Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.
Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
Prepare for your audit
Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later!
How quickly can I get my certificate of insurance?
Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.
HVAC employees perform some electrical work in addition to the HVAC work. Is the electrical work covered as well?
The electrical work is included in the policy. If there is an employee that does electrical work exclusively, then he would be considered an electrician, and the class code for electricians, 5190, should be included in the policy.
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