HVAC workers' comp: a real $1,182/yr policy

A real HVAC contractor policy

A heating and air conditioning contractor in Florida we insure pays $1,182 a year for workers' comp, written with AmTrust.

Each line is one real policy we placed, not an average or a range. Your price depends on your payroll, the type of work, your state and your claims, and we can't promise a price until we see your details.

What sets an HVAC contractor's price

Installers and service techs are the payroll that drives the price. Office staff and dispatchers who stay off job sites are usually rated separately at a lower rate.

Tell us about rooftop units, attic and crawl space work, ductwork you fabricate in a shop, and any refrigeration or commercial work. Those details can change the class or which insurers will quote.

Workers' comp doesn't insure your vans. They need a commercial auto policy.

Payroll for installers and service techs.
Payroll for office staff and dispatchers.
Residential versus commercial work.
Rooftop, attic and shop fabrication work.

Working in Florida

In Florida, a construction business with even one employee must carry workers' comp, and that count includes owners who are corporate officers or LLC members. Up to three officers can apply for an exemption if they meet the state's rules.

Workers' comp for contractors in Florida →

What we need to quote

Send the items below with the state where you work.

Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Your startup action list

Mark completed tasks, then download a copy with room for owners, dates, and notes. Progress stays on this page until you leave or refresh. No email required.

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Payroll for installers and service techs.
Payroll for office staff and dispatchers.
Residential versus commercial work.
Rooftop, attic and shop fabrication work.
Annual payroll, split by the type of work each person does.
Number of full-time and part-time employees.
Years in business.
Claims in the past few years, or a note that there were none.
Whether your subcontractors carry their own workers' comp.

Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.