Certified Air Conditioning Contractor Insurance Requirements in Florida
2026 Florida CAC license requirements: $300,000 per occurrence GL minimum. Officers may exempt from workers' comp.
GL Minimum
$300,000 per occurrence
per occurrence
Workers' Comp
Required (up to 3 officers may be exempt)
Regulating Body
CILB
F.S. 489.115 / DBPR Rule 61G4
CAC Insurance Requirements — Full Details
Florida CAC (Certified Air Conditioning Contractor) license holders are regulated by the CILB under F.S. 489.115. The minimum General Liability requirement is $300,000 per occurrence. Workers' compensation is required for all non-exempt employees, with up to three officers eligible for exemption. HVAC contractors in Florida use class code 5537 for workers' comp, with rates ranging from approximately $3.00–$5.50 per $100 of payroll.
Required Insurance
- General Liability: $300,000 per occurrence minimum
- Workers' Compensation: required for all non-exempt employees
- COI must name CILB as certificate holder
- Insurance must be maintained continuously
- Up to 3 officers may file for exemption with FDFS
Workers' Comp Note
Florida HVAC/AC contractors may exempt up to three corporate officers from workers' comp. All non-exempt employees must be covered.
Key Facts
- GL minimum: $300,000 per occurrence
- Regulated by CILB under F.S. 489.115
- Up to 3 officers may be exempt from workers' comp
- WC class code 5537 — rate approx. $3.00–$5.50 per $100 payroll
- COI must name CILB as certificate holder
Get Your CAC Insurance Today
Bilingual agents available. Same-day COI naming the CILB as certificate holder.
FAQs — CAC License Insurance Requirements
What insurance is required for a Florida CAC HVAC license?
Florida CAC license holders must maintain General Liability insurance with a minimum of $300,000 per occurrence and workers' compensation for all non-exempt employees. The COI must name the CILB as certificate holder.
How much does workers' comp cost for a Florida HVAC contractor?
Workers' comp for Florida HVAC contractors (class code 5537) runs approximately $3.00–$5.50 per $100 of payroll. For a contractor with $200,000 payroll, expect a base premium of approximately $6,000–$11,000 per year.
Other Florida Contractor License Requirements
Get Your CAC Insurance Today
Same-day COI for Florida certified air conditioning contractor. Bilingual agents available.