Business insurance • Michigan HVAC contractors
Michigan HVAC Contractor Insurance: Mechanical Contractor License and Workers’ Comp
Michigan licenses HVAC contractors through LARA as mechanical contractors, by work classification such as HVAC equipment, ductwork, and refrigeration. Applicants need three years (6,000 hours) in each classification and must pass a PSI exam for each. The state sets no general liability minimum or license bond, and workers’ compensation applies once a business meets Michigan’s employee thresholds.
This guide covers Michigan HVAC licensing, required coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Michigan, and a licensed agent can compare quotes for your HVAC business.
Request a Michigan HVAC insurance quote
Tell us about your HVAC business and classifications, and a licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00, or email info@blakeinsurancegroup.com.
Prefer to quote online yourself?
Start a business insurance quote online with one of our partners, without waiting for a call back.
Get a quote from ERGO NEXT →General liability, workers’ compensation, business owner’s policies, professional liability, and commercial auto.
Start an application with First Connect →Quotes from multiple insurance carriers through our First Connect portal.
Sponsored. Each link opens the partner’s website in a new tab, where its terms and privacy policy apply. Blake Insurance Group may be compensated if you buy.
Michigan mechanical contractor license
| Requirement | Detail |
|---|---|
| Classifications | HVAC equipment (ductwork, gas piping, and venting), ductwork, refrigeration, hydronic and process piping, and others |
| Experience | Three years (6,000 hours) in each classification sought |
| Exam | PSI exam for each classification |
| Fees | $300 application and $300 initial license; renews every three years |
| Bond and liability | No state bond or general liability minimum |
Source: Contractor License Requirements (Michigan HVAC guide).
Michigan workers’ compensation
| Rule | Detail |
|---|---|
| Three or more workers | Regularly employs three or more at one time, including part-time |
| One full-time worker | Regularly employs at least one worker 35+ hours a week for 13+ weeks in the past 52 weeks |
Coverage most Michigan 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 Michigan 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.
Michigan HVAC insurance FAQs
What license do Michigan HVAC contractors need?
A LARA mechanical contractor license in each work classification they perform, such as HVAC equipment or refrigeration.
Does Michigan require general liability for HVAC contractors?
No state minimum, though owners, lenders, and local authorities often require it.
When do Michigan HVAC contractors need workers’ comp?
When they regularly employ three or more workers, or one worker full time for 13 weeks or more.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
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.
Your next step
Tell us about your Michigan HVAC business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
