Save up to 20% on HVAC work comp insurance
We’re available when you are – online and on your schedule. In less than 5 minutes, you could be on your way to a commercial insurance quote.
Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.
Every policy backed by leading insurance carriers known for their financial strength and customer service. All our carriers have earned a rating of A or higher by A.M. Best.
Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.
It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.
As an HVAC business owner, protecting your company and employees is essential. Without the right insurance coverage, you could be held liable for accidents or damages that occur on the job.
Contact us today to get the coverage you need to protect your HVAC business.
Accidents can happen unexpectedly, even for skilled HVAC installation and repair professionals. Industry workers may face risks including:
Workers' compensation insurance is designed to cover these specific risks by supporting medical expenses and wage losses.
A workers' compensation policy offers the following:
This financial support serves as a safety net, replacing lost wages during recovery, and enabling employees to focus on healing without financial worries. Workers' compensation insurance goes beyond fulfilling legal requirements—it shows your employees that their well-being is a priority.
For HVAC companies, workers' compensation insurance cost is influenced by the business size, the company payroll and the company's past coverage and claims history.
The HVAC industry is categorized as mid- to high-risk, given the physically demanding nature of the work. Within the industry, rates might differ depending on your company’s specific circumstances:
Workers' compensation premiums are calculated based on the specific job functions performed by employees. Some employees may have distinct roles, while others may have multiple responsibilities. These roles are classified using work class codes. It is crucial to accurately classify employees based on their primary tasks, as this can significantly impact your premium.
Some HVAC companies have constantly changing job sites, co-workers, or contractors for each project. In such cases, general contractors must either include subcontractors under their work comp policy or make sure they provide proof of their own insurance before starting work. Subcontractors are generally covered under the general contractor's liability, unless they have their own insurance.
Workers' compensation insurance is not just a wise choice for HVAC installation and repair contracting businesses—in many U.S. states is a legal requirement. Failure to have this insurance in place can lead to significant fines and penalties. If your business operates in multiple states or your employees work temporarily out-of-state, you may need to purchase insurance according to each state's laws to comply with their regulations.
Workers' compensation insurance provides crucial wage replacement and medical benefits to your employees in the event of work-related injuries or accidents, such as falls, cuts, burns, or strains. i.e., workers’ compensation claims. Comprehensive workers' compensation coverage is vital given the nature of the HVAC industry, where employees may be exposed to various risks while working with machinery, equipment, and heights.
Each state has workers' compensation insurance regulations. Familiarizing yourself with your state's specific requirements and any exemptions applicable to HVAC installation and repair contracting businesses is crucial. Remember that if your business operates in multiple states or your employees work temporarily out-of-state, you must purchase insurance for all locations according to each state's laws.
Now it's time to contact insurance agencies. Consider working with an independent insurance agency that specializes in workers' compensation insurance.
Once you receive quotes from different insurance carriers, compare them to make an informed decision. While cost is essential, don't overlook other crucial factors such as the extent of coverage, customer service, and the claims process.
After a careful comparison, choose the workers' compensation insurance policy that offers comprehensive coverage at a fair price. Obtaining workers' compensation insurance fulfills a legal obligation and shows your employees that you value their well-being and are committed to their safety.
Where small businesses buy workers' compensation insurance. WorkCompOne is an online digital insurance agency that’s changing workers’ compensation insurance. By bringing together best practices in technology and insurance, we’ve built a simple, new way for businesses to secure workers’ compensation insurance online.
Founded in 2012, WorkCompOne offers coverage to small businesses nationwide through its easy online platform and partnership with leading national carriers. WorkCompOne is part of Custom Commercial Insurance Solutions.
About Custom Commercial Insurance Solutions
Custom Commercial Insurance Solutions, formerly IDoComp.com, is a digital first independent insurance agency focused on improving direct-to-consumer commercial insurance. Bringing together innovative technology and insurance products, CCiS offers coverage to businesses of all sizes through its easy online platform, best-in-class customer service, and partnerships with leading carriers.
Need more than work comp? Get all your business needs covered with CCiS: