Summary
Learn why HVAC contractors in Florida need workers’ comp insurance under NCCI code 5537. Covers legal requirements, costs, and coverage benefits. Get a same-day quote from Sun Insurance Services.
Keeping Florida Cool — and Protected
Why Workers’ Comp Matters for HVAC Contractors
- Falls while installing rooftop or attic units
- Electrical shocks from compressors or wiring
- Heat exhaustion in Florida’s intense climate
Workers’ compensation covers medical care, lost wages, and protects business owners from employee injury lawsuits. It keeps your people cared for and your company compliant.
Learn more about Florida Workers’ Compensation Insurance and why every contractor needs it.
Florida’s Workers’ Comp Requirements
- HVAC contractors fall under NCCI class code 5537
- Required for any business with one or more employees
- Subcontractors must show proof of coverage or a valid exemption
If navigating code 5537 or the exemption process feels confusing, call Scott Mauldin with Sun Insurance Services at 407-781-1609 — we’ll handle the details and paperwork for you.
Visit our Florida Contractor Insurance page to see how coverage types fit together.
What It Costs
HVAC workers’ comp premiums sit in the moderate- to high-risk category. Rates are typically lower than roofing but higher than painting because of electrical and environmental exposure.
Factors that influence your premium:
- Annual payroll and number of employees
- Prior claims or safety record
- Classification accuracy (code 5537 matters)
- Safety programs and training
Sun Insurance shops multiple carriers so you can compare rates side-by-side — and avoid overpaying for protection.
How Coverage Protects Your Business
- Covers medical bills and wage replacement for injured workers
- Prevents stop-work orders and state fines
- Helps you qualify for commercial contracts that require proof of insurance
- Builds trust with clients who value safety and professionalism
Need a certificate of insurance for your next project? We can issue one the same day.
Beyond Workers’ Comp: A Complete HVAC Insurance Plan
Workers’ comp is one piece of a smart coverage strategy. HVAC businesses also benefit from:
- General Liability Insurance – protects against property damage or client injuries
- Commercial Auto Insurance – covers company vans and trucks
- Tools & Equipment Coverage – replaces damaged or stolen gear
- Business Owner’s Policy (BOP) – bundles key protections at a lower rate
See our HVAC Contractor Insurance Guide to build a plan that fits your operation.
FAQ: Workers’ Compensation for HVAC Contractors in Florida
How soon can I get proof of coverage?
Sun Insurance can often issue same-day certificates once your policy is active. Fast proof helps you start or continue HVAC projects without interruption.
What happens if I don’t carry workers’ comp?
Operating without required coverage can lead to stop-work orders, fines, and personal liability for injuries. Florida’s Division of Workers’ Compensation actively enforces compliance, especially in construction trades.
Can independent HVAC contractors opt out?
Sole proprietors or small contractors may apply for an exemption through the Florida Division of Workers’ Compensation. However, many clients still require proof of insurance to secure contracts, even if you’re exempt.
Call to Action
☀️ Keep your HVAC business running cool, compliant, and confident.
Contact Sun Insurance Services for a same-day workers’ comp quote.
📞 407-781-1609
📧 scott@suninsuranceservices.com
🌐 Request a quote online
