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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

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 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?

What's the cost based on?

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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


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

Get Workers’ Compensation for HVAC Technicians 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 correctly
For 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!

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FAQ's on Workers' Comp for HVAC Techs

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.

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

Get Workers’ Compensation for HVAC Contractors today!

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