Workers’ Compensation Insurance for HVAC 

Due to the physical risks associated with the heating, ventilation and air conditioning (HVAC) industry, it’s crucial for businesses to carry comprehensive insurance that includes workers’ compensation. Without it, businesses could experience financial devastation from a single incident.

What is Workers’ Compensation Insurance?

Workers’ compensation insurance can help support employees who are injured or become ill as a direct result of their job duties. It can help cover medical expenses, offer partial salary replacement and provide disability benefits. This coverage generally functions on a no-fault basis, which means that employees can receive benefits regardless of who is at fault for the incident. In return, employees typically waive their right to sue their employer for damages.

What Types of HVAC Injuries Are Covered?

Workers’ compensation insurance can help support HVAC employees who sustain job-related injuries or illnesses. Covered injuries may include, but are not limited to:

• Back strains and hernias

• Burns

• Lacerations

• Respiratory issues from exposure to hazardous materials

• Loss of eyesight or eye injuries

• Concussions or head trauma

• Fractures

• Electrical shock

• Hearing loss or tinnitus due to occupational noise exposure

Workers’ Compensation Insurance Exclusions

While workers’ compensation offers broad protection, it typically excludes coverage for:

• Injuries that occur outside of work duties or work hours

• Preexisting health conditions not aggravated by work

• Intentionally self-inflicted injuries

• Injuries that occur while violating a company policy (e.g., fighting, drug use, intoxication or committing crimes at work)

• Ordinary diseases of life (e.g., cold, flu, allergies, etc.)

• Gradual hearing or vision loss not clearly linked to job conditions

• Repetitive motion injuries, unless directly attributed to job duties and medically substantiated

Learn More

For workers’ compensation insurance near you, contact Affiliated Agency of Ocala.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.