Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Running an HVAC business in Florida brings year-round demands, from servicing AC units in the heat to handling electrical and equipment hazards. With employees working in risky conditions, having the right protection is essential.
Workers’ compensation insurance ensures your employees are covered if they're injured on the job and shields your business from medical expenses and legal claims. Keep your business safe and compliant with the proper coverage in place.
Florida HVAC Workers' Comp Requirements In Florida, HVAC contractors with one or more employees are required by law to carry workers' compensation insurance. Failure to provide proper coverage can result in severe penalties, including stop-work orders and fines. Learn more about Florida Workers’ Compensation Rules here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
**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)
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
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
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. It can even help keep your costs down!
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.
Yes, in Florida, your workers' comp policy generally covers you as an HVAC specialist focused on ductwork, even if you subcontract the mechanical work.
Yes, the electrical work is typically covered under your HVAC workers' compensation policy. However, if an employee works exclusively on electrical tasks, they would be classified as an electrician under class code 5190, which should be added to your policy.
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