Workers' Comp Insurance for HVAC Businesses in Connecticut

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 in Connecticut. The Connecticut workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.53 per $100 of payroll.

Connecticut requirements for hvac businesses

When required: Required for any employer with at least one employee.

Sole proprietors: Sole proprietors are exempt unless they elect coverage by filing notice with the Workers' Comp Commission.

Owner / officer exclusion: Sole corporate officers may be excluded; multiple officers must all be covered.

HVAC class codes used in Connecticut

Why hvac workers' comp is tricky in Connecticut

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 for Connecticut HVAC contractors

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

HVAC workers' comp in other states

Rates and requirements for HVAC contractors vary widely by state. Compare Connecticut to other major markets:

Other industries in Connecticut

Connecticut workers' comp rates and requirements for other common industries: