Understanding insurance costs across different states is crucial for HVAC contractors looking to optimize their business expenses and maintain competitive pricing. Our comprehensive analysis of over 800 HVAC contractor insurance quotes from leading insurers reveals significant variations in premiums based on location, business size, and risk factors.
This guide presents actual insurance costs for HVAC contractors at three distinct business stages. For businesses earning $150,000 annually, we analyzed solo HVAC technicians or small operations with minimal subcontracting (under 10%), established for 2+ years with clean claims history. At the $500,000 revenue level, our data reflects businesses with an owner plus 2-3 technicians, approximately 10% subcontracted work, and established business operations with proven safety records. For $1 million revenue companies, we examined established HVAC companies with an owner plus 5+ employees, roughly 10% subcontracted work, and comprehensive safety protocols in place.
The premium variations between states can be dramatic, with some locations seeing costs three to four times higher than others for identical coverage. These differences stem from state-specific factors including regulatory requirements, claims frequency, weather patterns that impact HVAC systems, and local court environments. By understanding these cost variations, HVAC contractors can better budget for insurance expenses, negotiate with carriers, and make informed decisions about geographic expansion.
Understanding coverage options is as important as cost analysis. Explore comprehensive HVAC insurance solutions to ensure you’re properly protected while managing expenses.
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Alabama
The following table shows general liability insurance premiums for Alabama HVAC contractors with $1M/$2M coverage limits, with costs ranging from 0.5% to 3.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,400 | $700 | $4,600 | 71% |
| $500,000 | $7,900 | $5,000 | $10,600 | 37% |
| $1,000,000 | $15,700 | $9,300 | $24,300 | 41% |
Workers’ compensation insurance for HVAC contractors in Alabama costs $4.88 per $100 of payroll.
Alaska
Alaska HVAC contractors can expect general liability premiums shown below for standard $1M/$2M limits, representing 1.2% to 2.1% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,600 | $1,800 | $3,200 | 31% |
| $500,000 | $7,500 | $6,100 | $9,800 | 19% |
| $1,000,000 | $13,400 | $12,200 | $15,860 | 9% |
The workers’ compensation rate in Alaska for HVAC contractors is $3.98 per $100 of payroll.
Arizona
General liability insurance costs for Arizona HVAC businesses with $1M/$2M coverage range from 0.3% to 3.5% of revenue as detailed below.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,400 | $500 | $5,300 | 79% |
| $500,000 | $7,500 | $4,200 | $11,500 | 44% |
| $1,000,000 | $16,500 | $14,600 | $20,100 | 12% |
Arizona HVAC contractors pay $3.41 per $100 of payroll for workers’ compensation coverage.
Arkansas
The table below displays Arkansas HVAC contractor liability insurance premiums for $1M/$2M limits, with rates from 0.4% to 3.1% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,900 | $600 | $4,700 | 79% |
| $500,000 | $8,600 | $5,700 | $10,700 | 34% |
| $1,000,000 | $17,300 | $9,200 | $24,100 | 47% |
Workers’ compensation for Arkansas HVAC contractors costs $2.14 per $100 of payroll, one of the lower rates nationally.
California
California HVAC contractors face the general liability premiums shown below for $1M/$2M coverage, ranging from 0.9% to 3.9% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,500 | $1,400 | $5,800 | 44% |
| $500,000 | $5,300 | $3,700 | $7,600 | 30% |
| $1,000,000 | $12,000 | $9,900 | $15,200 | 18% |
The workers’ compensation rate for California HVAC contractors is $4.22 per $100 of payroll.
Colorado
General liability premiums for Colorado HVAC businesses with standard $1M/$2M limits range from 0.5% to 3.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,100 | $800 | $4,600 | 74% |
| $500,000 | $8,300 | $4,900 | $9,900 | 41% |
| $1,000,000 | $15,700 | $8,000 | $22,500 | 49% |
Colorado’s workers’ compensation rate for HVAC contractors is $2.88 per $100 of payroll.
Connecticut
Connecticut HVAC contractors can expect the following general liability insurance costs for $1M/$2M coverage, representing 0.3% to 4.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,500 | $500 | $6,100 | 86% |
| $500,000 | $11,100 | $7,200 | $13,100 | 35% |
| $1,000,000 | $23,000 | $11,800 | $29,000 | 49% |
Workers’ compensation insurance in Connecticut costs HVAC contractors $5.14 per $100 of payroll.
Delaware
The following shows Delaware HVAC contractor liability premiums for $1M/$2M limits, with costs from 0.7% to 3.3% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,400 | $1,100 | $5,000 | 68% |
| $500,000 | $9,100 | $6,400 | $11,500 | 30% |
| $1,000,000 | $17,800 | $10,500 | $26,400 | 41% |
Delaware HVAC contractors pay $4.29 per $100 of payroll for workers’ compensation coverage.
Florida
Florida HVAC businesses face general liability premiums as shown below for standard $1M/$2M coverage, ranging from 0.6% to 5.3% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,100 | $900 | $7,900 | 71% |
| $500,000 | $11,600 | $6,300 | $17,100 | 46% |
| $1,000,000 | $25,600 | $13,800 | $39,800 | 46% |
The workers’ compensation rate for Florida HVAC contractors is $4.63 per $100 of payroll.
Georgia
General liability insurance costs for Georgia HVAC contractors with $1M/$2M limits range from 0.3% to 3.2% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,100 | $500 | $4,800 | 76% |
| $500,000 | $7,400 | $4,300 | $10,200 | 42% |
| $1,000,000 | $15,800 | $9,500 | $23,000 | 40% |
Georgia’s workers’ compensation rate for HVAC contractors is $5.03 per $100 of payroll.
Hawaii
Hawaii HVAC contractors can expect the following liability insurance premiums for $1M/$2M coverage, representing 0.3% to 2.2% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $1,800 | $500 | $2,700 | 72% |
| $500,000 | $7,500 | $3,500 | $11,200 | 53% |
| $1,000,000 | $11,700 | $7,600 | $15,700 | 35% |
Workers’ compensation for Hawaii HVAC contractors costs $4.17 per $100 of payroll.
Idaho
The table below shows Idaho HVAC contractor general liability premiums for standard $1M/$2M limits, with rates from 0.5% to 2.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,400 | $700 | $3,200 | 71% |
| $500,000 | $7,400 | $5,700 | $8,700 | 23% |
| $1,000,000 | $15,200 | $9,300 | $19,100 | 39% |
Idaho HVAC contractors pay $4.62 per $100 of payroll for workers’ compensation insurance.
Illinois
Illinois HVAC businesses face the following general liability costs for $1M/$2M coverage, ranging from 0.9% to 3.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $4,000 | $1,300 | $5,500 | 68% |
| $500,000 | $10,700 | $8,300 | $12,900 | 22% |
| $1,000,000 | $21,200 | $13,800 | $27,700 | 35% |
The workers’ compensation rate in Illinois for HVAC contractors is $5.19 per $100 of payroll.
Indiana
General liability premiums for Indiana HVAC contractors with $1M/$2M limits range from 0.7% to 3.1% of revenue as shown below.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,800 | $1,100 | $4,700 | 61% |
| $500,000 | $8,600 | $5,700 | $10,000 | 34% |
| $1,000,000 | $16,600 | $9,300 | $22,600 | 44% |
Indiana offers one of the lowest workers’ compensation rates at $2.25 per $100 of payroll for HVAC contractors.
Iowa
Iowa HVAC contractors can expect the following liability insurance costs for standard $1M/$2M coverage, representing 0.3% to 2.6% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,300 | $500 | $3,900 | 78% |
| $500,000 | $7,200 | $5,200 | $8,600 | 28% |
| $1,000,000 | $13,400 | $8,400 | $16,400 | 37% |
Workers’ compensation insurance in Iowa costs HVAC contractors $4.31 per $100 of payroll.
Kansas
The following table displays Kansas HVAC contractor general liability premiums for $1M/$2M limits, with costs from 0.3% to 3.0% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,300 | $500 | $4,500 | 78% |
| $500,000 | $9,300 | $5,800 | $12,300 | 38% |
| $1,000,000 | $16,800 | $11,800 | $23,200 | 30% |
Kansas HVAC contractors pay $2.73 per $100 of payroll for workers’ compensation coverage.
Kentucky
Kentucky HVAC businesses face general liability premiums as shown below for $1M/$2M coverage, ranging from 0.8% to 5.6% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,500 | $1,200 | $5,400 | 66% |
| $500,000 | $9,300 | $6,500 | $11,100 | 30% |
| $1,000,000 | $27,500 | $15,700 | $55,900 | 43% |
The workers’ compensation rate for Kentucky HVAC contractors is $2.82 per $100 of payroll.
Louisiana
Louisiana HVAC contractors can expect the following general liability costs for standard $1M/$2M limits, representing 0.6% to 6.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $5,600 | $900 | $10,300 | 84% |
| $500,000 | $17,300 | $9,100 | $22,200 | 47% |
| $1,000,000 | $36,700 | $15,100 | $51,900 | 59% |
Louisiana has one of the higher workers’ compensation rates at $6.08 per $100 of payroll for HVAC contractors.
Maine
General liability insurance costs for Maine HVAC contractors with $1M/$2M coverage range from 0.6% to 3.2% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,800 | $900 | $4,800 | 68% |
| $500,000 | $8,800 | $6,800 | $10,200 | 23% |
| $1,000,000 | $17,600 | $11,200 | $23,400 | 36% |
Maine HVAC contractors pay $5.14 per $100 of payroll for workers’ compensation insurance.
Maryland
The table below shows Maryland HVAC contractor liability premiums for $1M/$2M limits, with rates from 0.5% to 3.0% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,400 | $800 | $4,500 | 67% |
| $500,000 | $7,400 | $5,000 | $10,100 | 32% |
| $1,000,000 | $13,800 | $9,100 | $23,300 | 34% |
Workers’ compensation for Maryland HVAC contractors costs $3.22 per $100 of payroll.
Massachusetts
Massachusetts HVAC businesses face the following general liability costs for standard $1M/$2M coverage, ranging from 0.7% to 4.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,500 | $1,000 | $6,000 | 60% |
| $500,000 | $7,500 | $3,600 | $12,800 | 52% |
| $1,000,000 | $14,100 | $7,800 | $21,400 | 45% |
The workers’ compensation rate in Massachusetts for HVAC contractors is $4.24 per $100 of payroll.
Michigan
Michigan HVAC contractors can expect general liability premiums as shown below for $1M/$2M limits, representing 0.3% to 3.2% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,100 | $500 | $4,800 | 76% |
| $500,000 | $6,400 | $2,300 | $10,700 | 64% |
| $1,000,000 | $12,300 | $3,700 | $17,800 | 70% |
Workers’ compensation insurance in Michigan costs HVAC contractors $3.25 per $100 of payroll.
Minnesota
The following displays Minnesota HVAC contractor liability insurance costs for standard $1M/$2M coverage, with rates from 0.4% to 4.2% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,900 | $900 | $6,300 | 69% |
| $500,000 | $6,900 | $2,500 | $9,400 | 64% |
| $1,000,000 | $14,300 | $4,100 | $20,200 | 71% |
Minnesota HVAC contractors pay $4.79 per $100 of payroll for workers’ compensation coverage.
Mississippi
Mississippi HVAC businesses face general liability premiums as detailed below for $1M/$2M limits, ranging from 0.3% to 3.3% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,700 | $500 | $4,800 | 81% |
| $500,000 | $11,100 | $6,400 | $16,700 | 42% |
| $1,000,000 | $19,900 | $15,000 | $24,800 | 25% |
The workers’ compensation rate for Mississippi HVAC contractors is $3.22 per $100 of payroll.
Missouri
General liability costs for Missouri HVAC contractors with standard $1M/$2M coverage range from 0.4% to 3.1% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,600 | $600 | $4,600 | 77% |
| $500,000 | $7,900 | $4,800 | $10,900 | 39% |
| $1,000,000 | $16,400 | $7,900 | $24,200 | 52% |
Missouri’s workers’ compensation rate for HVAC contractors is $4.74 per $100 of payroll.
Montana
Montana HVAC contractors can expect the following liability insurance premiums for $1M/$2M limits, representing 0.4% to 2.9% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,100 | $600 | $4,400 | 81% |
| $500,000 | $9,800 | $6,100 | $13,500 | 38% |
| $1,000,000 | $19,500 | $10,000 | $29,000 | 49% |
Workers’ compensation for Montana HVAC contractors costs $5.02 per $100 of payroll.
Nebraska
The table below shows Nebraska HVAC contractor general liability costs for standard $1M/$2M coverage, with rates from 0.3% to 2.4% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,200 | $500 | $3,600 | 77% |
| $500,000 | $6,500 | $3,900 | $10,200 | 40% |
| $1,000,000 | $14,200 | $8,500 | $22,100 | 40% |
Nebraska HVAC contractors pay $4.54 per $100 of payroll for workers’ compensation insurance.
Nevada
Nevada HVAC businesses face the following general liability premiums for $1M/$2M limits, ranging from 0.8% to 3.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,300 | $1,200 | $5,500 | 64% |
| $500,000 | $10,100 | $7,800 | $11,700 | 23% |
| $1,000,000 | $20,200 | $13,700 | $25,100 | 32% |
The workers’ compensation rate in Nevada for HVAC contractors is $3.63 per $100 of payroll.
New Hampshire
General liability insurance costs for New Hampshire HVAC contractors with standard $1M/$2M coverage range from 0.8% to 5.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,100 | $1,200 | $5,000 | 61% |
| $500,000 | $9,200 | $6,300 | $10,600 | 32% |
| $1,000,000 | $26,500 | $15,200 | $56,700 | 43% |
New Hampshire HVAC contractors pay $5.10 per $100 of payroll for workers’ compensation coverage.
New Jersey
New Jersey HVAC contractors can expect the following liability premiums for $1M/$2M limits, representing 0.9% to 5.5% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $4,900 | $1,300 | $8,200 | 73% |
| $500,000 | $14,200 | $10,000 | $18,600 | 30% |
| $1,000,000 | $28,100 | $17,000 | $41,100 | 40% |
Workers’ compensation insurance in New Jersey costs HVAC contractors $6.56 per $100 of payroll, among the highest nationally.
New Mexico
The following shows New Mexico HVAC contractor general liability costs for standard $1M/$2M coverage, with rates from 0.6% to 3.4% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,200 | $900 | $5,100 | 72% |
| $500,000 | $10,200 | $5,500 | $12,400 | 46% |
| $1,000,000 | $20,900 | $12,400 | $24,700 | 41% |
New Mexico’s workers’ compensation rate for HVAC contractors is $4.56 per $100 of payroll.
New York
New York HVAC businesses face significantly higher general liability premiums for $1M/$2M coverage, ranging from 1.8% to 11.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $10,400 | $2,700 | $17,600 | 74% |
| $500,000 | $30,500 | $21,500 | $39,800 | 30% |
| $1,000,000 | $60,300 | $36,400 | $88,100 | 40% |
The workers’ compensation rate for New York HVAC contractors is $8.16 per $100 of payroll, the highest in the nation.
North Carolina
North Carolina HVAC contractors see general liability insurance costs for $1M/$2M limits ranging from 0.3% to 3.2% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,700 | $500 | $4,800 | 81% |
| $500,000 | $8,000 | $3,500 | $11,200 | 56% |
| $1,000,000 | $15,900 | $7,300 | $22,700 | 54% |
Workers’ compensation for North Carolina HVAC contractors costs $4.49 per $100 of payroll.
North Dakota
The table below displays North Dakota HVAC contractor liability premiums for standard $1M/$2M coverage, with costs from 0.5% to 3.1% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,800 | $800 | $4,700 | 71% |
| $500,000 | $8,700 | $7,400 | $11,100 | 15% |
| $1,000,000 | $17,300 | $12,200 | $22,500 | 29% |
North Dakota offers the lowest workers’ compensation rate at $1.59 per $100 of payroll for HVAC contractors.
Ohio
Ohio HVAC businesses face general liability premiums as shown below for $1M/$2M limits, ranging from 0.4% to 3.1% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,800 | $600 | $4,600 | 79% |
| $500,000 | $7,100 | $4,600 | $9,500 | 35% |
| $1,000,000 | $14,500 | $7,900 | $21,500 | 46% |
The workers’ compensation rate for Ohio HVAC contractors is $2.12 per $100 of payroll.
Oklahoma
Oklahoma HVAC contractors can expect the following general liability costs for standard $1M/$2M coverage, representing 0.3% to 2.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,300 | $500 | $3,700 | 78% |
| $500,000 | $7,100 | $4,100 | $11,400 | 42% |
| $1,000,000 | $14,100 | $6,500 | $25,400 | 54% |
Workers’ compensation insurance in Oklahoma costs HVAC contractors $4.40 per $100 of payroll.
Oregon
General liability insurance costs for Oregon HVAC contractors with $1M/$2M limits range from 0.7% to 3.7% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,200 | $1,100 | $5,500 | 66% |
| $500,000 | $8,700 | $5,800 | $12,400 | 33% |
| $1,000,000 | $17,100 | $9,400 | $28,500 | 45% |
Oregon HVAC contractors pay $1.75 per $100 of payroll for workers’ compensation coverage.
Pennsylvania
The table below shows Pennsylvania HVAC contractor liability premiums for $1M/$2M limits, with rates from 0.6% to 3.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,800 | $900 | $5,500 | 76% |
| $500,000 | $11,300 | $8,900 | $14,700 | 21% |
| $1,000,000 | $23,400 | $14,900 | $32,700 | 36% |
Workers’ compensation for Pennsylvania HVAC contractors costs $3.91 per $100 of payroll.
Rhode Island
Rhode Island HVAC businesses face the following general liability costs for standard $1M/$2M coverage, ranging from 0.8% to 3.5% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,300 | $1,200 | $5,300 | 64% |
| $500,000 | $10,000 | $5,700 | $12,800 | 43% |
| $1,000,000 | $20,200 | $9,300 | $28,000 | 54% |
The workers’ compensation rate in Rhode Island for HVAC contractors is $4.88 per $100 of payroll.
South Carolina
South Carolina HVAC contractors can expect general liability premiums as shown below for $1M/$2M limits, representing 0.5% to 5.5% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,600 | $800 | $8,200 | 78% |
| $500,000 | $11,400 | $4,800 | $19,600 | 58% |
| $1,000,000 | $23,000 | $10,400 | $39,200 | 55% |
Workers’ compensation insurance in South Carolina costs HVAC contractors $5.11 per $100 of payroll.
South Dakota
The following displays South Dakota HVAC contractor liability insurance costs for standard $1M/$2M coverage, with rates from 0.5% to 7.8% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,700 | $800 | $11,700 | 78% |
| $500,000 | $9,000 | $6,200 | $13,100 | 31% |
| $1,000,000 | $18,200 | $10,100 | $30,200 | 45% |
South Dakota HVAC contractors pay $3.97 per $100 of payroll for workers’ compensation coverage.
Tennessee
Tennessee HVAC businesses face general liability premiums as detailed below for $1M/$2M limits, ranging from 0.3% to 3.9% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,500 | $500 | $5,900 | 80% |
| $500,000 | $7,700 | $3,700 | $11,900 | 52% |
| $1,000,000 | $15,400 | $8,000 | $27,300 | 48% |
The workers’ compensation rate for Tennessee HVAC contractors is $2.59 per $100 of payroll.
Texas
General liability costs for Texas HVAC contractors with standard $1M/$2M coverage range from 0.6% to 4.1% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,900 | $900 | $6,100 | 69% |
| $500,000 | $9,400 | $5,200 | $14,200 | 45% |
| $1,000,000 | $17,900 | $11,300 | $28,500 | 37% |
Texas’s workers’ compensation rate for HVAC contractors is $2.56 per $100 of payroll.
Utah
Utah HVAC contractors can expect the following liability insurance premiums for $1M/$2M limits, representing 0.5% to 6.1% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,600 | $800 | $9,100 | 78% |
| $500,000 | $8,800 | $6,400 | $10,400 | 27% |
| $1,000,000 | $17,400 | $10,500 | $23,800 | 40% |
Workers’ compensation for Utah HVAC contractors costs $2.71 per $100 of payroll.
Vermont
The table below shows Vermont HVAC contractor general liability costs for standard $1M/$2M coverage, with rates from 0.6% to 3.7% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,200 | $900 | $4,600 | 72% |
| $500,000 | $9,800 | $5,500 | $18,600 | 44% |
| $1,000,000 | $16,600 | $9,300 | $24,400 | 44% |
Vermont HVAC contractors pay $5.85 per $100 of payroll for workers’ compensation insurance.
Virginia
Virginia HVAC businesses face the following general liability premiums for $1M/$2M limits, ranging from 0.5% to 2.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $2,100 | $800 | $4,100 | 62% |
| $500,000 | $6,600 | $3,600 | $9,600 | 45% |
| $1,000,000 | $11,700 | $7,900 | $15,200 | 32% |
The workers’ compensation rate in Virginia for HVAC contractors is $2.97 per $100 of payroll.
Washington
General liability insurance costs for Washington HVAC contractors with standard $1M/$2M coverage range from 0.3% to 5.0% of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,200 | $500 | $7,500 | 84% |
| $500,000 | $9,600 | $3,800 | $17,000 | 60% |
| $1,000,000 | $14,600 | $4,700 | $21,100 | 68% |
Washington HVAC contractors pay $3.72 per $100 of payroll for workers’ compensation coverage.
West Virginia
West Virginia HVAC contractors can expect the following liability premiums for $1M/$2M limits, representing 0.7% to 4.0% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,500 | $1,000 | $6,000 | 71% |
| $500,000 | $10,600 | $5,000 | $18,200 | 53% |
| $1,000,000 | $18,700 | $9,100 | $27,700 | 51% |
Workers’ compensation insurance in West Virginia costs HVAC contractors $2.04 per $100 of payroll.
Wisconsin
The following shows Wisconsin HVAC contractor general liability costs for standard $1M/$2M coverage, with rates from 0.6% to 5.8% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,500 | $1,000 | $8,700 | 71% |
| $500,000 | $8,700 | $3,800 | $10,800 | 56% |
| $1,000,000 | $16,300 | $6,200 | $23,100 | 62% |
Wisconsin’s workers’ compensation rate for HVAC contractors is $4.39 per $100 of payroll.
Wyoming
Wyoming HVAC businesses face general liability premiums as detailed below for $1M/$2M limits, ranging from 0.3% to 5.7% of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $150,000 | $3,200 | $500 | $8,500 | 84% |
| $500,000 | $8,900 | $6,500 | $14,300 | 27% |
| $1,000,000 | $15,800 | $11,100 | $21,700 | 30% |
The workers’ compensation rate for Wyoming HVAC contractors is $3.48 per $100 of payroll.
Take Control of Your HVAC Insurance Costs Today
Understanding these state-by-state insurance cost variations empowers HVAC contractors to make strategic decisions and negotiate better rates. The data reveals potential savings ranging from 9% to 86% between favorable and higher-end rates—potentially saving tens of thousands annually that can be reinvested in equipment, training, and growth.
Whether you operate in high-cost states like New York and Louisiana or more affordable markets like North Dakota and Ohio, these benchmarks ensure you’re not overpaying for coverage. For a $1 million HVAC business, premium differences can exceed $50,000 annually between carriers in the same state—enough to hire another technician or upgrade your entire tool inventory.
Ready to discover your savings? Get instant quotes tailored specifically for HVAC contractors on the ContractorNerd platform. Our network of HVAC-friendly insurers compete for your business, delivering competitive rates with coverage designed for your unique risks—from refrigerant liability to installation floaters. Join thousands of HVAC contractors who’ve reduced premiums by up to 73% while securing better coverage.
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