Business insurance • Georgia HVAC contractors
Georgia HVAC Contractor Insurance: Conditioned Air Class I and II Licenses
Georgia licenses HVAC contractors through the State Construction Industry Licensing Board’s Division of Conditioned Air Contractors. Class I is restricted to systems up to 60,000 Btu of cooling and 175,000 Btu of gas heating, while Class II is unrestricted. The board sets no general liability minimum for initial licensure, and employers with three or more employees must carry workers’ compensation.
This guide covers Georgia HVAC licensing, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Georgia, and a licensed agent can compare quotes for your HVAC business.
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Georgia conditioned air licenses
| Class | Limits | Experience |
|---|---|---|
| Class I (restricted) | Cooling and heat pumps up to 60,000 Btu; gas heating up to 175,000 Btu | 4 years |
| Class II (unrestricted) | Residential and commercial conditioned air, excluding boilers | 5 years, including commercial work |
Source: Contractor License Requirements (Georgia HVAC guide). The PSI exam has 120 questions and a 70% passing score.
Georgia workers’ compensation
Employers who regularly employ three or more people in Georgia must carry workers’ compensation, counting regular part-time workers, corporate officers, and LLC members (Georgia State Board of Workers’ Compensation).
Coverage most Georgia HVAC contractors carry
- General liability: third-party injuries and property damage, such as a condensate leak that ruins a customer’s ceiling or a furnace install that starts a fire.
- Business owner’s policy: general liability bundled with property coverage for your shop, parts, and equipment stock.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including falls from roofs and attics, burns, and lifting injuries.
- Commercial auto: service vans and trucks that carry technicians, units, and refrigerant.
- Tools and equipment (inland marine): gauges, recovery machines, vacuum pumps, and brazing kits on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Georgia HVAC contractors pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $101 | $1,213 |
| Business owner’s policy | $139 | $1,664 |
| Workers’ compensation | $182 | $2,189 |
| Commercial auto | $286 | $3,438 |
| Tools and equipment | $41 | $495 |
| Commercial umbrella | $81 | $968 |
Median costs for HVAC businesses that got quotes through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Georgia HVAC insurance FAQs
What is the difference between Class I and Class II in Georgia?
Class I is restricted to 60,000 Btu of cooling and 175,000 Btu of gas heating. Class II is unrestricted, except for boilers.
Does Georgia require general liability for HVAC contractors?
The board sets no minimum for initial licensure, but customers and public contracts often require it.
When do Georgia HVAC contractors need workers’ comp?
When they regularly employ three or more people.
Related guides
Important information
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Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
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