Florida HVAC Workers Comp Rates (2026)
Florida does not publish its HVAC class figures online. Across the 26 states that do, the median typical premium is about $2.74 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Florida figure.
No official Florida figure is available online, so the numbers below use the US median of the states that publish one.
Florida 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 Florida
The Bureau of Labor Statistics counts 39,160 heating, air conditioning, and refrigeration mechanics and installers on payrolls in Florida (May 2025), the 1st largest workforce among the 50 states and DC. The median wage is $27.24 an hour, 7% below the US median of $29.33.
This trade is a bigger part of the Florida job market than it is nationally: heating, air conditioning, and refrigeration mechanics and installers hold 1.5 times their national share of jobs there.
At the US median of $2.74 per $100 of payroll (Florida does not publish its figure online), comp on one worker at that wage costs about $0.75 for every hour worked, or $1,552 a year full time. A 2-person crew comes to roughly $3,105 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Florida pay runs from $18.45 an hour at the 10th percentile to $37.60 at the 90th, so the same rate costs $0.51 an hour on a new hire and $1.03 on a senior hand.
Workers comp requirements in Florida
- Coverage required: 4+ employees; 1 for the construction industry
- Owners and sole proprietors: Construction owners are automatically employees and cannot exempt out; officers may exempt up to three
- State fund: Private market (no state fund)
- Waiting period: 7 days; retroactive if disability exceeds 21 days
- Penalty for going without: Stop-work orders plus a penalty of twice the premium avoided over three years (minimum $1,000)
Florida's construction carve-out drops the threshold from four employees to one, and construction owners cannot exempt themselves the way corporate officers can.
Florida vs neighboring states
Florida does not publish its figure, so the first row is the US median. Among neighbors that publish, Alabama is the cheapest for HVAC comp at about $2.36 and Georgia the most expensive at about $2.78 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.