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WorkersCompCodes
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Workers' Comp for HVAC Contractors

HVAC install and service (NCCI class code 5538) covers heating, ventilation, and air conditioning installation including ductwork. Service-only operations may qualify for a different class code with lower rates.

Common class codes for HVAC contractors

5538 $4.50-$11.50
Sheet Metal Work — Shop and Outside, NOC
5183 $4.00-$10.00
Plumbing NOC & Drivers

Why HVAC workers' comp is tricky

HVAC contractors who also do plumbing or electrical work need separate class allocation. Many carriers prefer service-only HVAC accounts over install-heavy operations.

Tips to lower your hvac premium

  • ✓ Service vs install split matters for rating
  • ✓ Refrigerant-handling certifications can earn schedule credits
  • ✓ Pay-as-you-go is widely available

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HVAC workers' comp by state

Rates, exemption rules, and rating bureaus for HVAC contractors vary widely. Pick your state for hvac-specific requirements and average rates:

Alabama $1.13 Alaska $2.25 Arizona $1.17 Arkansas $0.83 California $1.45 Colorado $0.92 Connecticut $1.53 Delaware $1.39 Florida $1.42 Georgia $1.06 Hawaii $1.69 Idaho $1.02 Illinois $1.66 Indiana $0.98 Iowa $1.06 Kansas $0.99 Kentucky $1.06 Louisiana $1.59 Maine $1.17 Maryland $0.94 Massachusetts $0.94 Michigan $0.97 Minnesota $1.31 Mississippi $1.20 Missouri $1.10 Montana $1.66 Nebraska $1.10 Nevada $0.81 New Hampshire $1.04 New Jersey $1.99 New Mexico $1.39 New York $1.41 North Carolina $0.84 North Dakota $0.78 Ohio $0.74 Oklahoma $1.13 Oregon $0.93 Pennsylvania $1.27 Rhode Island $1.20 South Carolina $1.34 South Dakota $0.97 Tennessee $0.97 Texas $1.04 Utah $0.88 Vermont $1.50 Virginia $0.83 Washington $1.16 West Virginia $1.32 Wisconsin $1.13 Wyoming $1.27

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