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Workers' Compensation Insurance for HVAC Technicians

Policies for residential & commercial heating and A/C services

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Why do HVAC Techs need
Workers' Compensation Insurance?

Comply with state laws

Comply with state laws

Avoid fines

Avoid fines

Protect your employees

Protect your employees

Protection from lawsuits

Protection from lawsuits

...'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.

  Common HVAC injuries

  • Lacerations
  • Burns
  • Trips and falls
  • Muscles strains

Common types of HVAC workers we can insure

Air-Conditioning Contractor Insurance

Air-Conditioning Contractor

HVAC Insurance


Heating Contractor Insurance

Heating Contractor

Refrigeration and Cooling Systems Insurance

Refrigeration and Cooling Systems

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Don't see your business classification?
We're here to help. Call 866-338-8823.

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.

What type of injuries does
Workers' Comp Insurance cover?

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.

What will HVAC Workers' Comp Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
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How much does Workers' Comp Insurance
for HVAC Techs cost?

On average, workers' compensation insurance for HVAC technicians, based on an annual payroll of $50,000, costs $133 per month.

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What's the cost based on?

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.

Common Classifications for HVAC Technicians

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

3724 - Refrigeration - Installation and Repair - (when not connected to HVAC system)

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Don't see your business classification?
We're here to help. Call 866-338-8823.

Get Workers’ Compensation for HVAC Techs today!

Finding reasonable workers comp insurance for HVAC technicians doesn’t have to be so difficult. Find out how we can assist you by reaching out today. 

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Helpful tips to save money

Choosing HVAC insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

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Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

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Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

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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. 

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Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

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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! A HVAC Workers’ Compensation Audit Checklist can help.

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! A HVAC Workers’ Compensation Audit Checklist can help.

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FAQ's on Workers' Comp for HVAC Techs

How quickly can I get my certificate of insurance?

We usually issue certificates 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.

I specialize in HVAC duct work and subcontract all mechanical work. Will my workers' compensation policy still cover me?

Yes, in most states, your workers' comp policy will cover you as an HVAC specialist focusing on duct work, even if you subcontract the mechanical aspects.

However, it's important to note that some states, like Texas, have specific class codes for this type of work (e.g., class code 5538). It's advisable to verify with your insurance provider to ensure that your policy is appropriately classified to cover all aspects of your operations.

I help restaurants and grocery stores install walk-in coolers. Is this included in my workers' compensation policy?

If the installation involves integrating the coolers with the HVAC system, it should be covered under your existing workers' compensation policy.

However, if the coolers are installed as standalone units not connected to the HVAC system, this may not be covered. For accurate and specific information, please consult your insurance provider.

State laws on Workers' Comp for HVAC Techs

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.

Choose your state from the dropdown to learn more.

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*Don't see your state? Have no fear!
Kickstand does business nationwide.
Our web team hasn't gotten to the other state pages yet.
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Need other types of insurance for HVAC Techs?

Yes, we can help with that too!

Learn more about HVAC Insurance

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities
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Get Workers’ Compensation for HVAC Contractors today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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