Workers’ Comp for HVAC Technicians in Kentucky

Name: Workers' Compensation Insurance for HVAC Technicians in Kentucky
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for residential & commercial heating and A/C services

Get an Instant Quote



Why do HVAC Technicians in Kentucky need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Kentucky HVAC professionals service everything from small residential units to large commercial ventilation systems. A workers' comp policy ensures employees are covered in case of burns, strains, or equipment-related injuries.

Common HVAC injuries

Lacerations – From handling sharp sheet metal and fan blades
Burns – Exposure to hot equipment or electrical components
Trips and falls – Working on ladders, rooftops, and uneven surfaces
Muscle strains – Lifting and carrying heavy A/C units
Electrical shocks – Contact with high-voltage HVAC systems

Workers' Comp for HVAC Technicians in Kentucky: Legal Requirements

HVAC companies in Kentucky must have workers’ compensation insurance if they employ at least one worker. Businesses that ignore this requirement may face work stoppages and other severe penalties. Learn more about Kentucky Workers’ Comp Insurance here.

Common types of HVAC workers we can insure in Kentucky

Air-Conditioning Contractor

HVAC

Heating Contractor

Refrigeration and Cooling Systems

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

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 an active HVAC Technician workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will HVAC Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for HVAC Technicians in Kentucky cost per month?

HVAC contractors nationwide typically spend around $132 per month per employee for workers’ comp insurance. Premiums fluctuate depending on job duties, company size, and payroll classifications. For more information about HVAC workers' compensation costs, check out our detailed guide: HVAC Workers’ Comp Rates 2025.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Kentucky.

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 Kentucky HVAC

For more details on class codes, visit this detailed guide on HVAC Workers’ Compensation Class Codes.

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)

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

How to get Workers' Comp Insurance in Kentucky

Getting workers' comp insurance in Kentucky is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your HVAC business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

Get an Instant Quote Today!

Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

Start an instant quote now

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:

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.

Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

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. It can even help keep your costs down!

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! Our HVAC Technician 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 Technician Workers’ Compensation Audit Checklist can help.

For more strategies, check out these 6 tips on how to How to Reduce your HVAC Workers’ Comp Insurance Costs.

FAQ's on Workers' Comp for HVAC Technicians in Kentucky

Will my workers’ comp cover HVAC projects performed out of state?

Brief assignments are often covered. Regular or recurring work outside Kentucky may need additional endorsements.

Are electrical maintenance tasks covered under my policy?

Yes, if they are part of HVAC systems. Independent electrical work requires classification under 5190.

Looking for Workers' Compensation Insurance for HVAC Technicians?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Learn more about HVAC Insurance

HVAC technician fixing an air conditioner

HVAC Workers’ Comp Rates 2025

HVAC technician installing home heating system

HVAC Workers’ Comp Class Code: A Complete Guide

HVAC technician installing an air conditioning in a client house

How to Reduce Your HVAC Workers’ Comp Insurance Costs

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for HVAC insurance quote surrounded by insurance icons

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

    

Excellent 5 stars

Get Workers’ Compensation for HVAC Technicians 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!

Get my Quote



The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By entering your email, you agree to our Privacy Policy.

The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.