Workers comp forhvac contractors.
Install shops, service techs, commercial refrigeration, duct crews. Class code 5538 covers most HVAC installation and service work. Lower rates than construction broadly, but rooftop work and confined-space service both drive claims.
HVAC Tech · Commercial Rooftop · Documentary
- Real AgentNo Call Center
- Trade-FirstClass Codes Down to the Digit
- Full BookComp + Commercial
- Right CarrierMatched to Your Trade
What we see on claims
- —Falls from ladders and rooftop units
- —Electrical shock from improper LO/TO
- —Refrigerant exposure and chemical burns
- —Heat exhaustion in attic and crawl-space work
- —Back strain from lifting condensers and air handlers
What drives your rate
HVAC base rates are middle-of-the-road for trades — about 20% below construction and 70% below residential roofing. Where HVAC shops get expensive is when a service tech gets hurt at a commercial rooftop install and the claim hits a seven-figure settlement. Carrier selection matters: some carriers specialize in HVAC and price sharper.
Which one's you?
Residential HVAC install shop
6 installers, 2 service techs, 2 admin. Primary class 5538, some 5190 on the service/repair side. Summer season drives peak payroll.
Commercial HVAC service company
20-person shop doing rooftop commercial maintenance. Higher risk profile than residential, but premium discounts available for safety programs and fleet management.
Solo HVAC contractor
Owner plus 2 techs. Most state thresholds apply differently for construction vs. service work — installation usually qualifies as construction, which often triggers earlier coverage requirements.
HVAC-specific questions
In many states, yes — HVAC installation work qualifies as construction-industry for workers comp purposes, which often triggers an earlier coverage requirement than non-construction businesses. Service-only operations are sometimes classified differently. Tell us your state and we'll confirm.
Not directly — carriers price based on class code and experience mod. But having EPA 608 / 609 certs on file is a trust signal that factors into underwriting discretion.
Apprentices are covered employees and factor into payroll. Some carriers offer apprenticeship-program credits. Worth asking when we quote.
Figures on this page are illustrative. Your premium depends on your state, class codes, payroll, experience modifier, and carrier. Nothing here is a quote or a promise of rate.