Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Accidents happen. Working closely with an HVAC insurance company like Kickstand Insurance can help HVAC techs feel safe and secure on the job, and provide protections for lost wages and medical expenses during recovery.
To prevent financial losses, medical expenses and damages from disrupting your workflow, Kickstand Insurance provides various HVAC workers comp insurance policies to give you peace of mind if an injury occurs on the job.
Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.
If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.
Since the company had a workers' comp policy, they do not need to pay anything towards the bills.
The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.
The rate is based on the level of risk for that job description.
Premiums are primarily calculated by using your payroll numbers and your NCCI class code.
**Most states follow these NCCI codes. For more details on class codes, or to see if your state is one of the few that uses different codes, visit this detailed guide: HVAC Workers’ Compensation Class Codes
5537 - Heating, Ventilation, Air-Conditioning Systems-Installation, Service and Repair
5537 - HVAC Services
5537 - Heating, Ventilation, Air-Conditioning Contractor
5537 - Refrigeration and Cooling Systems - Installation and Repair
3724 - Refrigeration - Installation and Repair - (when not connected to HVAC system)
Finding reasonable workers comp insurance for HVAC technicians doesn’t have to be so difficult. Find out how we can assist you by reaching out today.
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
You will be expected to pay the difference at the end of the policy.
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.
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 smart strategies, check out these tips on how HVAC businesses can save on their workers' compensation insurance.
We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.
The electrical work is included in the policy. If there is an employee that does electrical work exclusively, then he would be considered an electrician, and the class code for electricians, 5190, should be included in the policy.
Yes, in most states, your workers' comp policy will cover you as an HVAC specialist focusing on duct work, even if you subcontract the mechanical aspects.
However, it's important to note that some states, like Texas, have specific class codes for this type of work (e.g., class code 5538). Check with your insurance provider to make sure that your policy covers all aspects of your operations.
If the installation involves integrating the coolers with the HVAC system, it should be covered under your existing workers' compensation policy.
However, if the coolers are installed as standalone units not connected to the HVAC system, this may not be covered. For accurate and specific information, please consult your insurance provider.
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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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