Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Texas HVAC technicians face year-round high temperatures while installing and maintaining cooling systems. Workers' comp insurance covers injuries related to extreme heat, electrical work, and heavy lifting.
In Texas, HVAC contractors aren’t legally required to carry workers’ compensation insurance. However, many choose to have coverage to protect employees from workplace injuries and reduce liability risks.When working on government projects, HVAC companies must provide workers’ compensation insurance for any employees involved. Additionally, general contractors may require proof of coverage before subcontractors can begin work.Non-subscribers—businesses that opt out of coverage—must file a DWC Form-005 annually with the Division of Workers’ Compensation, confirming their non-subscriber status and reporting all workplace injuries or illnesses. Failing to meet these requirements can result in penalties and added legal risks.For more information, visit Workers’ Compensation Insurance Texas here.
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.
For more details on class codes, visit this detailed guide on HVAC Workers’ Compensation Class Codes.
5536 - Heating, Ventilation, Air-Conditioning Systems - Installation, Service, and Repair
5536 - HVAC Services
5536 - Heating, Ventilation, Air-Conditioning Contractor
3724 - Refrigeration - Installation and Repair (when not connected to HVAC system)
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.
For more strategies, check out these 6 tips on how to How to Reduce your HVAC Workers’ Comp Insurance Costs.
Yes, focusing on ductwork while subcontracting mechanical work is generally covered. Verify coverage details for your specific situation.
Yes, but ensure your subcontractors carry their own workers’ comp insurance. Always collect a Certificate of Insurance (COI) before allowing them to start work.
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