Trade
Hot work, refrigerant and water damage in a single trade — three different ways to have a claim. We place them as one program rather than leaving you to find the seam between them.
HVAC combines three exposures that rarely sit together: brazing and hot work, refrigerant handling, and condensate and pipework that can flood a finished building. The water-damage claim is the one that actually shows up — a failed condensate line above a finished ceiling produces a property claim out of all proportion to the job value.
Which license class this trade falls under, and what that class obliges you to carry.
C-20 — Warm-Air Heating, Ventilating and Air-Conditioning. The third of the five classifications that must carry workers’ compensation whether or not it has employees. Note the classification is specifically warm-air: other mechanical work may sit under a different C-classification without that obligation, which is worth checking rather than assuming.
All California requirements →A specialty endorsement under the CCB. Note that HVAC businesses doing electrical or plumbing work also need Building Codes Division licensing and a BCD-certified supervising individual — a dual requirement that catches contractors who assume the CCB license is the whole story.
All Oregon requirements →Specialty contractor registration at $15,000. As in Oregon, electrical and plumbing scopes are licensed separately from the contractor registration, so a mechanical contractor whose scope crosses those lines needs more than the L&I registration.
All Washington requirements →Mechanical work on homes falls under the residential or home-improvement license with its $100,000 general liability and workers’ compensation filing. Commercial mechanical work sits under the commercial license.
All Louisiana requirements →A specialty classification bonded by volume band, with no ROC liability requirement. Workers’ compensation attaches at one employee.
All Arizona requirements →Not statute — this is the part no board publishes, and the part that decides whether a submission comes back priced or declined.
Tell us the state, the license class and the payroll. We will tell you which markets fit before we submit anywhere.
