HVAC Liability Insurance | Workers' Compensation
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Workers' Comp Coverage for Heating & Cooling Contractors
We've been helping HVAC contractors find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.
We partner with the best carriers writing HVAC coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top HVAC Insurance Companies
Markel is a national carrier. Markel offers exceptional workers' comp and liability coverage in most states.
Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for Heating and Cooling.
The Hartford is a national insurance carrier with exceptional rates on HVAC insurance packages and workers' comp coverage.
Benchmark ia a fast growing carrier expanding into most states. HVAC Contractor insurance in an industry target.
Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for HVAC contractors and pipefitters.
ICW Group offers great coverage for all types of Heating and Cooling contractors. They have outstanding rates for target risks.
Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on select class codes.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the construction industry.
Shop coverage like a Pro.
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.
Alternative State Class Codes for HVAC:
Many states often use special class codes, other than the class codes recommended by NCCI, for certain 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 Shop.com is a national Agency, licensed throughout the United States.
Get the Best HVAC Insurance Coverage
A lot of heating and cooling companies are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of HVAC business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing HVAC contractors insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National HVAC Insurance Expertise |
| More Markets for More Solutions |
| Commercial Package Insurance Options |
What Does Workers' Comp Cover?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- Loss of income for employees unable to perform job duties
- Medical expenses for employees injured 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.
- Injuries resulting from a violation of the law
- Incidents resulting from employees' use fo 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
The cost of business insurance has been increasing for HVAC Contractors. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for contractors:
Workers' Compensation and Employers Liability
HVAC Liability Insurance
Personal Property and Commercial Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our experts a call at 888-611-7467.
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How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
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Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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