Connecticut HVAC Workers Comp Rates (2026)
The published Connecticut loss cost for HVAC workers comp, class 5537 (Heating, Ventilation, Air-Conditioning and Refrigeration Systems - Installation, Service and Repair & Drivers), is $2.368 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $3.55.
A loss cost covers expected claims only. Each carrier files its own multiplier for expenses; in the states that publish the full list, the median is about 1.5, which is what the typical premium here uses. Your quote can be lower or higher. Source.
Connecticut class code for HVAC
- 5537: Heating, Ventilation, Air-Conditioning and Refrigeration Systems - Installation, Service and Repair & Drivers
- 5535 (Sheet Metal Work - Installation & Drivers)
- 5183 (Plumbing NOC & Drivers)
HVAC technicians work in attics and on roofs and handle electrical circuits and refrigerants.
What comp costs per hvac technician in Connecticut
The Bureau of Labor Statistics counts 3,800 heating, air conditioning, and refrigeration mechanics and installers on payrolls in Connecticut (May 2025), the 34th largest workforce among the 50 states and DC. The median wage is $36.83 an hour, 26% above the US median of $29.33.
Heating, air conditioning, and refrigeration mechanics and installers make up about the same share of Connecticut jobs as they do nationally (location quotient 0.85).
At a typical Connecticut premium of about $3.55 per $100 of payroll (the published loss cost of $2.37 for class 5537 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $1.31 for every hour worked, or $2,720 a year full time. A 2-person crew comes to roughly $5,439 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Connecticut pay runs from $21.77 an hour at the 10th percentile to $48.15 at the 90th, so the same rate costs $0.77 an hour on a new hire and $1.71 on a senior hand.
Workers comp requirements in Connecticut
- Coverage required: 1 employee
- Owners and sole proprietors: Excluded by default; a sole proprietor must affirmatively accept the Act to be covered
- State fund: Private market (no state fund)
- Waiting period: 3 days; retroactive to the injury date if incapacity reaches 7 days
- Penalty for going without: Operating uninsured is a Class D felony with per-employee civil penalties
In Connecticut, non-coverage or knowingly misclassifying employees as independent contractors is a Class D felony.
Connecticut vs neighboring states
- Massachusetts: about $2.22 per $100 of payroll
- New York: about $4.67 per $100 of payroll
Among its neighbors, Massachusetts is the cheapest for HVAC comp at $2.22 and New York the most expensive at $4.67 per $100 of payroll.
If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.
What moves a HVAC comp bill
- Service techs and install crews usually share one class, so the rate is driven by your claim history: back strains from lifting condensers and falls from ladders and roofs are the typical losses.
- If you also do sheet-metal fabrication or duct work outside buildings, ask how your bureau classifies it. Some of that work rates differently from installation and service.
- Dispatchers, office staff, and outside salespeople can be rated as clerical or sales when their duties keep them out of the field. Keep their timesheets separate.
- Company vehicles put a lot of miles on service crews. A driving policy and clean MVRs help on the auto side and with comp, because vehicle accidents on the job are comp claims.