As an HVAC contractor in Kansas, having proper insurance coverage is crucial for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down the essential insurance coverages Kansas HVAC contractors need, including costs based on our analysis of actual quotes from leading carriers.
Learn why HVAC installation insurance is crucial for your business operations.
General Liability Insurance for Kansas HVAC
Based on our analysis of HVAC contractor quotes from leading carriers, here are the typical general liability insurance costs for Kansas HVAC businesses:
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $2,300 | 1.5% | $500 | 78% |
| $500K | $9,300 | 1.9% | $5,800 | 38% |
| $1M | $16,800 | 1.7% | $11,800 | 30% |
These premiums assume:
- Clean claims history
- Standard $1M/$2M coverage limits
- Mix of residential and commercial HVAC work
- Approximately 10% subcontractor costs
Worker’s Compensation Insurance for Kansas HVAC
Kansas HVAC contractors typically pay $2,730 per $100,000 of payroll for workers’ compensation insurance, making it one of the more affordable states for coverage.
Key factors affecting premiums:
- Primary HVAC classification code (5537)
- Total annual payroll
- Claims history and safety programs
- Experience modifier rating (EMR)
For HVAC businesses, the average cost per employee is approximately $1,745 annually.
Additional Business Insurance for HVAC in Kansas
1. Tools & Equipment Coverage (Inland Marine)
- Annual premiums range from $200 to $2,000
- Available policy limits from $5,000 to $15,000+
- Per-item limits typically capped at $5,000
- Protects both owned and rented equipment
- Coverage follows equipment to all jobsites
2. Commercial Auto Insurance
- Annual premiums range from $1,500 to $3,050 per vehicle
- Standard limits of $100K per person, $300K per accident
- Higher limits of $500K to $1M recommended
- Covers business-owned vehicles
- Includes liability and physical damage coverage
3. Contractor’s E&O Insurance
- Annual premiums range from $50 to $500
- Policy limits from $10,000 to $1M+
- Protects against claims of faulty workmanship
- Covers professional negligence claims
- Includes legal defense costs and judgments
4. Commercial Property Insurance
- Protects offices, storage facilities, and workshops
- Annual premiums from $1,000 to $5,000
- Coverage for fire, theft, vandalism, and disasters
- Covers business equipment and inventory
- Business interruption coverage available
5. Surety Bonds
- Bond amounts typically range from $5,000 to $25,000
- Premium costs 1-3% of total bond amount
- Rates vary based on credit score and experience
- Required for certain contracts and licenses
- Guarantees work quality and contract fulfillment
6. Cyber Liability Insurance
- Includes credit monitoring services
- Annual premiums from $300 to $1,000
- Policy limits from $100K to $1M
- Protects against data breaches
- Covers customer notification costs
Get Kansas HVAC Liability with ContractorNerd
At ContractorNerd, we make HVAC insurance simple and data-driven through:
- Instant online quotes from leading carriers
- Side-by-side coverage comparisons
- HVAC-specific expertise and guidance
- Streamlined application process
- Ongoing policy management
- Claims advocacy when needed
Our team of HVAC insurance specialists helps you:
Optimize coverage based on your specific risks
Find competitive rates through our carrier network
Bundle policies for additional savings
Ensure compliance with state regulations
Get started today with tailored quotes for your Kansas HVAC business through our online quote tool or speak with one of our HVAC insurance specialists.