HVAC Liability Insurance | Workers' Compensation

Workers' Compensation Class Codes Related to HVAC

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Class Code 5537 | HVAC Contractors

Businesses primarily engaged in providing residential and commercial heating, ventilation, air conditioning and refrigeration system installation, service or repair. Services often include work on forced air furnaces, ac systems and evaporating cooling systems.

HVAC class code 5537 is generally considered an all-inclusive class of business because it also includes related functions such as wiring and sheet metal work associated with HVAC. Aside from clerical and sales, most employees' entire payroll will fall under this class code.

Companies that only provide duct cleaning would fall under a separate class code- 9014. Businesses that work on portable air conditioning units would be classified under class code 9519- AC Systems- Portable Units.

Synonyms: HVAC installation, heating and cooling contractor, ventilation and air conditioning repair, ac installer, refrigeration systems.