Workers’ Compensation for HVAC Technicians

Workers’ comp coverage for HVAC technicians — without the hassle.

You’re prepared to handle any HVAC issue that may affect your clients. But are you prepared if you or an employee gets injured on the job? 

As an HVAC business owner, you’re prepared to handle any issue with your clients’ HVAC systems, even during rough weather. You’ve spent time becoming a professional, acquiring the right equipment, and hiring the right team to handle the job. With all the time and effort you’ve put into growing your business, is it worth risking it all by not having the right business insurance? 

Employees at HVAC businesses are at risk for experiencing an array of injuries while doing their everyday jobs. Even though there are strict industry standards to promote safety, the truth is that accidents happen every day. Avoiding workplace injuries and illnesses 100% is impossible. Even a single incident can end up costing you or your business thousands. 

That’s why it’s essential for business owners with HVAC technicians employees to get workers’ comp. Workers’ compensation insurance helps protect you and your business from the costs of on-the-job injuries and illnesses. 

Workers’ Comp for HVAC Technicians

As an HVAC business owner, you know how important it is to prevent system issues before they start, as well as the havoc that a system issue can cause your clients. The same can be said for the well-being of your business. Preventing workplace injuries is important and so is having the insurance protection necessary to help shield your business from unexpected costs related to on-the-job injuries.

If an employee becomes injured by lifting heavy equipment, can you afford to pay emergency medical bills and cover ongoing treatment? In addition, can you supplement income until you or the employee is healthy and ready to return to work?

Most small business owners and independent HVAC techs aren’t prepared for these types of expenses. That’s why business insurance like workers’ compensation is there. Workers’ comp can provide much-needed coverage for expenses related to on-the-job injuries or illnesses. 

HVAC Technician Injury Risks

Whether you own an HVAC business with employees or you independently run your business, there are many risks that you likely face every day when it comes to workplace injuries. Some of the most common injuries that HVAC technicians can experience include falls, heavy lifting injuries, hand injuries, electrical shock, and strains. 

According to HVAC-Tech, OSHA regulations are available to help HVAC technicians work as safely as possible and minimize injuries. However, there’s no way to completely avoid injuries, so you should arm your HVAC techs with the tools and knowledge necessary to avoid injuries. Injuries that occur while working with heavy equipment, electrical systems, and dangerous machinery can be extremely dangerous. 

HVAC techs can help protect themselves, their team, and their businesses by having business insurance like workers’ comp. This form of commercial insurance can provide coverage for: 

  • Emergency medical care including ambulance services, emergency room visits, or medical treatments.
  • Continuing medical care including primary care physician visits, medication, rehabilitation, and physical therapy.
  • Temporary or permanent lost wages or full or partial disability.

In addition to being extremely helpful to businesses, workers’ comp is legally required in almost every state. Check your state’s workers’ comp requirements to see if you are legally required to have insurance. If you do and are found to be not compliant with state laws, you could face legal and financial penalties for not carrying Workers’ Compensation insurance. 

Risk Management for HVAC Technicians

Preventing injuries before they happen is more than just a way to help keep you and your team safe. It’s also a way to potentially save money on your insurance premiums. By implementing risk management strategies like abiding by OSHA regulations, providing safety training for employees, and wearing protective equipment you’re showing your employees  that you take safety seriously. Insurers tend to favor businesses that prioritize safety and have a low history of claims. Risk mitigation helps your HVAC business accomplish both. 

Cost of Workers’ Comp for HVAC Technicians

No matter how well established your business is, budgeting is an important part of running a successful business. That said, you might be wondering how much it will cost to get workers’ comp insurance for your HVAC business. 

The answer is hard to nail down. That’s because multiple factors are used to determine how much your premiums will cost and those factors are different for every business. Insurers use things such as where your business is located, how many employees you have, the industry you work in, and more to help create a quote. 

The best way to know how much you might pay for coverage is by getting various quotes. However, often business owners find the process of getting quotes to be a hassle. Luckily, with the right provider getting a quote can be quick and easy.  

At Cerity, we aim to provide HVAC business owners the business insurance they need without the hassle. A quote with Cerity usually takes just 3 minutes and coverage can be bound just as quickly…really!  We created a faster, more affordable way to get the workers’ comp coverage for your HVAC business. Using proprietary tools and modern technology, we provide HVAC techs just like you with quick quotes and instant coverage. 

Check out our workers’ compensation quote tool to get a free online quote and see how Cerity does workers’ comp insurance differently.

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Grab your free quote today.

It only takes a few minutes, whether you’re already covered or just getting started.


The information provided is intended to provide a general overview. This information is not legal advice and should not be relied on as such. Cerity® makes no warranties for the accuracy, adequacy, or completeness of the information provided, and will not be responsible for any actions taken based on the information contained herein. If you have legal questions or need legal advice, please consult an attorney.