HVAC contractor insurance in 28 states

Why your state changes your HVAC insurance

Three things change from one state to the next. First, licensing: some states issue a statewide HVAC, air-conditioning or mechanical license and ask for proof of liability insurance, a bond or workers' comp before they'll issue or renew it. Others license through cities and counties, so the rules in one metro can differ from the next town over.

Second, workers' comp: the number of employees that triggers coverage, owner exemptions and how subcontractors are treated all vary. Ohio handles comp only through its state fund. Texas is the outlier in the other direction: comp is optional for most private employers there.

Third, climate and claims: heat and humidity, freeze-ups and no-heat calls, hurricanes and wildfire smoke each shape what goes wrong and how carriers price it.

Each state page explains that state's license and insurance rules, its workers' comp basics and the coverage HVAC contractors there tend to need most. For the national picture, read our HVAC license requirements by state guide.

Our license in each state

The Allen Thomas Group · National Producer Number (NPN) 7642818

Working outside these 28 states?

We can only place coverage where we're licensed. If your business is based in another state, you can still use our guides, and you're welcome to start a quote so we can tell you whether we can help with work you do inside our footprint. Get a quote for your HVAC business →