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.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top HVAC Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp and liability coverage in most states.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for Heating and Cooling.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on HVAC insurance packages and workers' comp coverage.

The Hartford

Benchmark Insurance Company is a mono-line workers comp carrier doing business in most states.

Benchmark Insurance

Benchmark ia a fast growing carrier expanding into most states. HVAC Contractor insurance in an industry target.

Benchmark Insurance

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for HVAC contractors and pipefitters.

Travelers Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for all types of Heating and Cooling contractors. They have outstanding rates for target risks.

ICW Group

Liberty Mutual Workers Compensation Insurance Quotes

Liberty Mutual

Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on select class codes.

Liberty Mutual

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the construction industry.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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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 licensed in all 50 states. We are proud to offer national multi-state coverage.

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?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • 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.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • 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.


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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

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Pay As You Go Workers Compensation Insurance Options.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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