# Bright Coast Insurance

**Florida-Licensed Independent Insurance Agency** | Florida License #L132181  
Phone: (239) 323-0785 | Email: support@brightcoastins.com  
Address: PO Box 417, Pineland, FL 33945  
Website: https://brightcoastins.com  
Google Business Profile: https://www.google.com/maps/search/?api=1&query=Bright+Coast+Insurance&query_place_id=ChIJ2bHi4scRv4gRzuxlEjQ0a84

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# Workers' Comp Class Code 5537 — Heating, Ventilation, Air Conditioning (HVAC) (FL)

**Class Code:** 5537  
**Description:** Heating, Ventilation, Air Conditioning (HVAC)  
**State:** FL  
**Rate:** $3.00 per $100 of payroll  
**Source:** NCCI (National Council on Compensation Insurance)

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## What Is Class Code 5537?

Class code 5537 covers heating, ventilation, and air conditioning (HVAC) contractors who install, service, and repair HVAC systems. In Florida, HVAC is one of the most essential and in-demand trades due to the state's hot, humid climate. Work includes installing air handlers, condensing units, ductwork, thermostats, and refrigerant lines. Hazards include refrigerant handling, electrical work, falls from rooftops and ladders, and heat stress from working in hot attics.

## Who Does Class Code 5537 Apply To?

HVAC technicians, HVAC installers, refrigeration mechanics, and helpers.

## Florida Examples — Class Code 5537

A residential HVAC contractor in Fort Lauderdale installing and servicing air conditioning units in homes. A commercial HVAC company in Tampa designing and installing complex climate control systems for large office buildings.

## How to Calculate Workers' Comp Premium for Class Code 5537

**Formula:** (Annual Payroll ÷ 100) × $3.00 × Experience Modification Rate (EMR)

| Annual Payroll | EMR 0.80 | EMR 1.00 | EMR 1.20 |
|---|---|---|---|
| $100,000 | $2396 | $2995 | $3594 |
| $250,000 | $5990 | $7488 | $8985 |
| $500,000 | $11980 | $14975 | $17970 |
| $1,000,000 | $23960 | $29950 | $35940 |

## Tips for Managing Class Code 5537 Workers' Comp Costs

- EPA 608 certification is required for all technicians who handle refrigerants
- Fall protection is required for rooftop HVAC installation and service
- Heat illness prevention is critical for Florida HVAC workers in hot attics
- Separate clerical and estimating staff under code 8810
- HVAC is a lower-risk trade compared to roofing — leverage this in premium negotiations

## Safety Recommendations for Class Code 5537

- Ensure proper use of fall protection when working at heights, including stable ladders and roof anchors.
- Implement strict lockout/tagout procedures for electrical systems before servicing.
- Train employees on safe lifting techniques and provide mechanical aids for heavy HVAC units.
- Provide PPE for handling refrigerants and sharp sheet metal.

## Get a Quote for Class Code 5537

Contact Bright Coast Insurance for a workers' comp quote for class code 5537 in FL:

- **Phone:** (239) 323-0785
- **Email:** support@brightcoastins.com
- **Online:** [Workers' Comp Calculator](https://brightcoastins.com/comp-calculator)
- **Class Code Lookup:** [https://brightcoastins.com/workers-comp-codes/fl](https://brightcoastins.com/workers-comp-codes/fl)



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## About Bright Coast Insurance

Bright Coast Insurance is a Florida-licensed independent insurance agency (Florida License #L132181) specializing in commercial insurance for Florida contractors, builders, property owners, and HOA/condo associations. As an independent agency, we represent multiple carriers including US Assure (builders risk), Employers Holdings, AmTrust Financial, and others — allowing us to find the best coverage at the most competitive rate for each client.

**Contact:** (239) 323-0785 | support@brightcoastins.com  
**Address:** PO Box 417, Pineland, FL 33945  
**Website:** https://brightcoastins.com  
**Hours:** Monday–Friday, 9 AM–5 PM ET

*Bright Coast Insurance is an authorized FWCJUA placement agency and an authorized US Assure builders risk agency.*