Wyoming HVAC Workers Comp Rates (2026)
Wyoming employers buy HVAC workers comp from the state fund. The 2026 base rate for class 238000 (Specialty Trade Contractors) is $2.39 per $100 of payroll, before your experience modifier.
The state fund sets one base rate per class; your experience modifier moves it up or down. Source.
Wyoming class code for HVAC
- 238000: Specialty Trade Contractors
Monopolistic state fund that classifies employers by NAICS industry groups (about 127 classes) instead of NCCI occupational codes, so all specialty trades share one class (238000).
HVAC technicians work in attics and on roofs and handle electrical circuits and refrigerants.
What comp costs per hvac technician in Wyoming
The Bureau of Labor Statistics counts 690 heating, air conditioning, and refrigeration mechanics and installers on payrolls in Wyoming (May 2025), the 49th largest workforce among the 50 states and DC. The median wage is $26.30 an hour, 10% below the US median of $29.33.
Heating, air conditioning, and refrigeration mechanics and installers make up about the same share of Wyoming jobs as they do nationally (location quotient 0.93).
At the Wyoming state fund's 2026 base rate of $2.39 per $100 of payroll for class 238000, comp on one worker at that wage costs about $0.63 for every hour worked, or $1,307 a year full time. A 2-person crew comes to roughly $2,615 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Wyoming pay runs from $18.19 an hour at the 10th percentile to $38.00 at the 90th, so the same rate costs $0.43 an hour on a new hire and $0.91 on a senior hand.
Workers comp requirements in Wyoming
- Coverage required: Any employee in construction and other extrahazardous work (occupation-based, not headcount)
- Owners and sole proprietors: Owners, partners, and officers excluded; may elect optional coverage by affidavit
- State fund: Monopolistic; coverage only from the state Workers' Safety & Compensation Division
- Waiting period: 3 days
- Penalty for going without: An uninsured employer loses exclusive-remedy protection and can be sued directly
Wyoming triggers coverage by occupation (listed extrahazardous NAICS codes, which include construction) rather than by employee count.
Wyoming vs neighboring states
Wyoming has the lowest HVAC comp rate in its region; every neighboring state charges more per $100 of payroll.
If your crews cross into Colorado or Idaho or Montana or Nebraska or South Dakota or Utah, your Wyoming state-fund coverage does not follow them. Buy a private policy for the out-of-state work, with Wyoming excluded from it.
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.