Workers' Comp Cost for HVAC Contractors in Gainesville, FL
Florida 2026 rate: $2.50–$4.50 per $100 payroll per $100 payroll (Class Code 5537). $3,500–$12,000 for a small HVAC company.
HVAC Contractors Workers' Comp in Gainesville
Florida workers' comp rates are set statewide by the FWCJUA and NCCI — they do not vary by city. Whether you're a hvac contractors in Gainesville or anywhere else in Florida, the 2026 base rate for class code 5537 is $2.50–$4.50 per $100 payroll per $100 of payroll. However, local carrier availability and market competition can affect the final premium you're quoted. Bright Coast Insurance works with multiple carriers to find the best rate for Gainesville-area contractors.
Rate Range
$2.50–$4.50
per $100
Class Code
5537
NCCI 2026
Same-Day
COI
available
What Affects Your Premium
- Annual payroll for all HVAC technicians and helpers
- Experience modification rate (EMR)
- Type of work (residential service vs. commercial installation)
- Number of employees vs. owner-operators
- Claims history over the past 3 years
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Bilingual agents available. Same-day quotes and COI issuance for Gainesville-area hvac contractors.
Other Trades in Gainesville
FAQs — HVAC Contractors Workers' Comp in Gainesville
How much does workers' comp cost for an HVAC contractor in Florida?
Florida HVAC workers' comp costs approximately $2.50–$4.50 per $100 of payroll under class code 5537. For an HVAC company with $150,000 in annual payroll, expect a base premium of $3,750–$6,750 before your experience mod is applied. HVAC is a moderate-risk trade, significantly cheaper than roofing.
Do HVAC contractors in Florida need workers' comp?
Yes. Florida requires HVAC contractors with 1 or more employees in the construction industry to carry workers' compensation. Corporate officers can file exemptions (up to 3 per company). Your HVAC contractor license also requires proof of workers' comp or a valid exemption on file with DBPR.
What class code is used for HVAC contractors in Florida?
Florida HVAC contractors primarily use class code 5537 (Heating, Ventilation, Air Conditioning and Drivers). Office staff use 8810 (Clerical) at a much lower rate. Technicians who also do electrical work may have a portion of their payroll classified under 5190 (Electrical Wiring).
Can an HVAC company owner exempt themselves from workers' comp in Florida?
Yes. Corporate officers of HVAC companies (unlike roofing) can file an exemption from workers' compensation coverage with the Florida Division of Workers' Compensation. Up to 3 officers per company can be exempt. The exemption must be renewed every 2 years.
HVAC Contractors Workers' Comp Cost in Other Florida Cities
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Same-day quotes and COI issuance. Bilingual agents available.