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Workers' Comp Insurance for HVAC Businesses in North Dakota

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 North Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.

Avg HVAC rate in ND
$5.32
per $100 payroll
$100K payroll → annual
$5,318
estimated annual premium
North Dakota bureau
WSI
Monopolistic

North Dakota requirements for hvac businesses

When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers and LLC members may be excluded.

⚠️ North Dakota is a monopolistic state

All North Dakota workers' comp coverage must be purchased through the state fund (WSI (state fund)). Private workers' comp insurance is not available in North Dakota, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.

HVAC class codes used in North Dakota

5538 Sheet Metal Work — Shop and Outside, NOC
$3.19-$8.15
ND typical rate
5183 Plumbing NOC & Drivers
$2.84-$7.09
ND typical rate

Why hvac workers' comp is tricky in North Dakota

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 North Dakota HVAC contractors

  • ✓ 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 in other states

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

HVAC in California $1.45 HVAC in Texas $1.04 HVAC in Florida $1.42 HVAC in New York $1.41 HVAC in Pennsylvania $1.27 HVAC in Illinois $1.66 HVAC in Ohio $0.74 HVAC in Georgia $1.06

Other industries in North Dakota

North Dakota workers' comp rates and requirements for other common industries:

Construction in ND 9 class codes Roofing in ND 1 class code Plumbing in ND 3 class codes Electrical in ND 3 class codes Painting in ND 3 class codes Landscaping in ND 3 class codes Restaurants in ND 4 class codes Retail in ND 5 class codes

More North Dakota workers' comp resources