HVAC Liability
Insurance | Workers Compensation
We've developed the most affordable insurance programs for HVAC contractors.
Workers Comp Coverage for Heating & Cooling Contractors
For more than 15 years, we have assisted HVAC contractors in locating reasonable insurance. Our Experts are aware of the particular underwriting specifications set forth by insurance companies. We’ve created programs to assist you in obtaining the finest deals and most flexible payment options because of this.
We collaborate with top insurers providing HVAC insurance.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top HVAC Insurance Companies
Markel FirstComp
Accident Fund
The Hartford
Benchmark Insurance
Travelers
ICW Group
Liberty Mutual
PIE Insurance
AmTrust
Workers Compensation Class Codes Related to HVAC
Workers are classified according to the tasks they perform for their employers. Currently, insurance companies can classify employees using almost 800 class codes provided by the National Council on Compensation Insurance (NCCI). To price a policy, insurance companies manually calculate a rate for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Employers who were incorrectly classified may wind up with excessive coverage costs or debt following an audit.
Class Code 5537 | HVAC Contractors
Companies that specialize in the installation, maintenance, and repair of refrigeration, air conditioning, and ventilation systems for homes and businesses. Services for evaporative cooling systems, air conditioning systems, and forced air furnaces are frequently provided.
Since HVAC class code 5537 also covers related tasks like wiring and sheet metal work, it is typically regarded as an all-inclusive class of business. The majority of employees’ whole payroll, excluding clerical and sales workers, will be covered by this class code.
Businesses that solely offer duct cleaning would be classified as 9014, a different class code. Businesses servicing portable air conditioners fall under the 9519-AC Systems-Portable Units class code.
Alternative State Class Codes for HVAC:
In addition to the NCCI-recommended class codes, many states frequently employ unique class codes for particular industries.
| Class Code | State |
|---|---|
| 8538 | HVAC Contractor | California |
| 664 | Delaware / Pennsylvania |
| 5550 | Michigan |
| 3724 | New Jersey |
| 5536 | New York / Texas |
Synonyms: HVAC installation, heating and cooling contractor, ventilation and air conditioning repair, ac installer, refrigeration systems.
Workers Compensation is a national Agency, licensed throughout the United States.
Get the Best HVAC Insurance Coverage
Because their agent does not have access to the lowest cost insurance carriers, many heating and cooling companies are overpaying for insurance coverage. Installment agreements based on predicted payroll that don’t change when payroll varies are used by other business owners. We assist our clients in locating the most affordable insurance plans for every distinct state and kind of HVAC enterprise. Your company’s cash flow will be enhanced by our Pay As You Go payment options. New entrepreneurs and businesses with higher Experience Modification Ratings are the clients we work with. Since 2005, we have been providing insurance for HVAC contractors.
Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp – $0 Deposit
Guaranteed Cost and Deductible Options
Commercial Package Insurance Options
Expertise in National HVAC Insurance. We shop renewals too
Greater Markets for Greater Solutions
How Does Workers Comp Work?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Your HVAC Insurance Costs
For HVAC contractors, the cost of business insurance has been rising. The primary drivers of the cost increase in coverage have been workers compensation and general liability insurance. In order to offer our clients business insurance packages that are more reasonably priced, we have teamed with our insurance providers. Find out more about our alternatives for contractor package insurance:
- Personal Property and Commercial Property
- Employee Benefits and Employer Liability
- Liability for umbrellas and more
- Liability for umbrellas and more
Not every class code or every line of insurance coverage will be offered in every state. For information on our general liability and workers compensation insurance programs, get in touch with one of our workers compensation specialists.
How To Get Workers Comp
How Do I Get Started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers compensation quote request right now. You’ll be happy that you did.
Workers Compensation Info
- What is Workers Compensation?
- Workers Compensation Class Codes
- Experience Modification Rates
- How Much Does Workers Comp Cost?
- Workers Compensation by State
Workers Comp Programs
- Best Selling Workers Comp Programs
- Pay As You Go Insurance
- Self Monthly Workers Comp Reporting
- The Hartford Workers Compensation
- Multi-State Workers Comp Coverage
Employer Resources
- Workers Compensation Rates
- Rules for Workers Comp
- Frequently Asked Questions
- Find a Workers Comp Form
- Get Workers Compensation Quotes
Customer Service
- Certificate of Insurance
- Make a Payment
- Report a Claim
- Workers Compensation Insurance Audits
- Staff Directory
National Broker Services
- Insurance Agents
- Payroll Service Companies