Florida 2026 Filed Rate
Florida workers' comp rates are filed with NCCI and approved by the Florida Office of Insurance Regulation. Rates shown are per $100 of gross payroll.
Code Description
HVAC: Heating, Ventilation, Air Conditioning & Refrigeration
Code 5537 covers contractors who install, service and repair heating, ventilation, air conditioning and refrigeration systems in homes and commercial buildings, including ductwork that is part of the HVAC job, shop and yard work, and drivers. Typical Florida businesses on this code are residential AC installers, commercial HVAC mechanics and refrigeration service companies. Separate sheet metal shop work, plumbing and electrical wiring are rated under their own codes, so a company that also does those may need more than one class code. Clerical office staff are normally split out to code 8810 and outside salespeople to 8742.
Quick Premium Estimate
Based on the 2026 filed rate of $3.00 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,497.50 | $124.79 |
| $100,000 | $2,995.00 | $249.58 |
| $200,000 | $5,990.00 | $499.17 |
| $500,000 | $14,975.00 | $1,247.92 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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