Workers' Comp Insurance for HVAC Businesses in Michigan

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 Michigan. The Michigan workers' compensation market is governed by CAOM, and the average rate statewide is approximately $0.97 per $100 of payroll.

Michigan requirements for hvac businesses

When required: Required for employers with one or more employees working 35+ hours/week for 13+ weeks, or 3+ employees at any time.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may be excluded.

HVAC class codes used in Michigan

Why hvac workers' comp is tricky in Michigan

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 Michigan 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 Michigan to other major markets:

Other industries in Michigan

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