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Workers' Comp Insurance for HVAC Businesses in Wyoming

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 Wyoming. The Wyoming workers' compensation market is governed by WSD (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.27 per $100 of payroll.

Avg HVAC rate in WY
$8.66
per $100 payroll
$100K payroll → annual
$8,659
estimated annual premium
Wyoming bureau
WSD
Monopolistic

Wyoming requirements for hvac businesses

When required: All employers in 'extra-hazardous' industries must obtain coverage through Wyoming Workers' Safety & Compensation Division — monopolistic for those industries.

Sole proprietors: Optional for sole proprietors.

Owner / officer exclusion: Officers may be excluded.

⚠️ Wyoming is a monopolistic state

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

HVAC class codes used in Wyoming

5538 Sheet Metal Work — Shop and Outside, NOC
$5.20-$13.28
WY typical rate
5183 Plumbing NOC & Drivers
$4.62-$11.55
WY typical rate

Why hvac workers' comp is tricky in Wyoming

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 Wyoming 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 Wyoming 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 Wyoming

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

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

More Wyoming workers' comp resources