Workers' Comp Cost for HVAC Contractors in Florida
2026 Florida rate: $2.995 per $100 payroll (FWCJUA 2026) per $100 of payroll. $3,500–$12,000 for a small HVAC company.
2026 Rate Range
$2.995 per $100 payroll (FWCJUA 2026)
per $100 payroll
NCCI Class Code
5537
Florida 2026
Typical Annual Premium
$3,500–$12,000 for a small HVAC company
before experience mod
Florida Workers' Comp Rates for HVAC Contractors
HVAC contractors in Florida use class code 5537 (Heating, Ventilation, Air Conditioning) with a FWCJUA 2026 rate of $2.995 per $100 of payroll. This is a moderate-risk trade with rates significantly lower than roofing or general construction.
Key Facts
- Class code 5537 covers installation, service, and repair of HVAC systems
- Corporate officers in HVAC companies can file exemptions (up to 3 per company)
- Florida HVAC contractors must be licensed — license requires proof of workers' comp or exemption
- Refrigerant handling and electrical work may affect classification
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
Get Your Exact Rate
Every contractor's premium is different. Call us for a precise quote.
HVAC Contractors Workers' Comp Cost by City
Florida rates are statewide, but local carrier availability varies. Find city-specific information:
Frequently Asked Questions — HVAC Contractors Workers' Comp
How much does workers' comp cost for an HVAC contractor in Florida?
Florida HVAC workers' comp costs $2.995 per $100 of payroll under class code 5537 (FWCJUA 2026 manual rate). For an HVAC company with $150,000 in annual payroll, the base premium before your experience mod is approximately $4,493. Voluntary market carriers typically write below the FWCJUA rate. 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.
Workers' Comp Cost for Other Florida Trades
Roofing Contractors
$6.752 per $100 payroll (FWCJUA 2026)
General Contractors
$4.364 per $100 payroll (FWCJUA 2026, code 5403)
Electrical Contractors
$2.969 per $100 payroll (FWCJUA 2026)
Plumbing Contractors
$2.737 per $100 payroll (FWCJUA 2026)
Framing Contractors
$4.364 per $100 payroll (FWCJUA 2026, code 5403)
Concrete Contractors
$5.184 per $100 payroll (FWCJUA 2026)