HVAC Contractor Insurance Requirements by State (2026): All 50 States

Alabama $20k Bond — No GL Floor

Source: Alabama Board of Heating, Air Conditioning & Refrigeration Contractors

Bond: Active-status HVAC and refrigeration contractors must file a $20,000 performance bond in the business name with the Board as obligee. Inactive status carries no bond.

Liability: The Board does not require general liability insurance as a licensing condition. Property managers, general contractors, and permit offices usually still ask for a COI. HVAC work inside a project valued at $100,000 or more can pull in the Alabama Licensing Board for General Contractors, which asks for proof of general liability insurance without publishing a minimum.

Workers’ comp: Alabama law requires coverage once you employ five or more people. It is not a Board licensing condition.

Alaska $10k Bond + $50k/$100k Liability

Source: Alaska Division of Corporations, Business and Professional Licensing (Construction Contractors)

Bond: Mechanical contractors file a $10,000 surety bond (or an acceptable cash deposit) under AS 08.18.071.

Liability: Registration requires public liability and property damage coverage of at least $20,000 property damage, $50,000 injury or death to one person, and $100,000 injury or death to multiple persons. The requirement is waived only when every project is $2,500 or less.

Workers’ comp: Proof of coverage is part of registration. A mechanical contractor license is also needed to do the work, so confirm both with the Division.

Arizona Bond by Volume — No GL Floor

Source: Arizona Registrar of Contractors

Bond: Licensed C-39, R-39R, and CR-39 contractors post a bond that scales with estimated annual Arizona volume. For commercial specialty classes it runs from $2,500 (under $150,000) up to $50,000 ($10 million or more). Residential specialty classes are $4,250 under $375,000 and $7,500 above that. Residential and dual licensees also need the $200,000 recovery layer, either a bond or a payment into the Residential Contractors’ Recovery Fund.

Liability: The ROC licensing path does not set a general liability minimum for HVAC classes. Commercial customers still will.

Workers’ comp: Required by Arizona law once you have employees. Check the ROC application packet for what it asks you to certify.

Arkansas $250k Liability (HVACR License)

Source: Arkansas HVACR Licensing Board (Department of Labor and Licensing)

Liability: Class A, B, D, and E HVACR license holders must maintain $250,000 in liability coverage, or be covered by an employer policy at $250,000 per licensed employee. Proof goes in at issuance and renewal.

Workers’ comp: Not an HVACR-specific condition. It applies under Arkansas workers’ compensation law, and the Contractors Licensing Board (commercial or residential builder licenses) requires proof when coverage is required.

Bond: No bond is part of the HVACR license in the sources we checked. The separate commercial contractor license carries its own bond and financial requirements.

California $25k Bond + C-20 Workers’ Comp

Source: California Contractors State License Board (CSLB)

Bond: Every contractor needs a $25,000 contractor’s bond on file before CSLB issues, reactivates, or renews an active license. An extra $25,000 qualifying-individual bond applies in some RME/RMO situations.

Workers’ comp: C-20 (warm-air heating, ventilating, and air-conditioning) is one of the few classifications that must carry workers’ comp or a DIR self-insurance certificate even with no employees. A no-employee exemption is not available to C-20.

LLCs: An LLC license adds a $100,000 employee/worker bond and liability insurance from $1 million (five or fewer personnel) up to $5 million, rising $100,000 per additional person of record. Sole owners and corporations do not have a state liability floor.

Colorado No State HVAC Rule — Local

Source: Local building departments (e.g., City and County of Denver)

Colorado has no statewide HVAC contractor license. State trade licenses cover electrical and plumbing, so HVAC rules are set by cities and counties, and insurance asks come from the permit office, the property owner, or your customer contract.

Denver licenses contractors locally and publishes its own fees and forms. We could not confirm a Denver insurance or bond floor that applies to ordinary building mechanical work, so pull the current license page for the exact jurisdiction before you bid.

Connecticut License, No GL or Bond Floor

Source: Connecticut Department of Consumer Protection

S-1 (unlimited heating, piping, and cooling contractor) and S-2 (journeyperson) are individual licenses issued by DCP. The S-1/S-2 application materials we reviewed do not list a statewide general liability minimum or a surety bond.

Workers’ comp: Connecticut requires coverage for employers, and DCP license renewals check for compliance. General liability limits usually come from customers, municipalities, and contracts.

Delaware License, No GL or Bond Floor

Source: Delaware Board of Plumbing, HVACR Examiners

The Master HVACR license has experience, EPA certification, and exam requirements. We found no general liability or surety bond requirement for the trade license itself.

Business side: Contractors register with the Division of Revenue and provide workers’ compensation insurance or the required exemption. Nonresident contractors must post a surety or cash bond, or an irrevocable letter of credit, with Revenue.

District of Columbia $5k Bonds — HIC Needs GL

Source: DC Department of Licensing and Consumer Protection (Board of Industrial Trades)

Bond: The refrigeration and air-conditioning trade license calls for $5,000 surety bonds for both the company and its designated master. Bonds expire September 30 in even-numbered years.

Liability: The trade license itself does not list a general liability requirement. A separate Home Improvement Contractor license requires a $25,000 surety bond and a current certificate of liability insurance, so residential work can trigger it.

Florida $100k Liability + $25k Property

Source: Florida Construction Industry Licensing Board (DBPR)

Liability: Rule 61G4-15.003 requires Division II air-conditioning contractors (Class A and Class B) to maintain $100,000 public liability and $25,000 property damage coverage in the licensee’s name for the life of an active license.

Workers’ comp: Coverage or an exemption is required, and an exemption must be obtained within 30 days after licensure.

Financial responsibility: Applicants need no unsatisfied liens or judgments and a credit-derived score of at least 660, or an approved course if below that. Registered (local) contractors follow different rules, so confirm which path you hold.

Georgia License, No GL or Bond Floor

Source: Georgia Secretary of State — Conditioned Air Contractors (State Construction Industry Licensing Board)

Conditioned-air contractor licensing (Class I and Class II) turns on experience, EPA certification, references, and an exam. The official materials we reviewed do not show a statewide insurance, bond, or financial-responsibility requirement for the conditioned-air trade. Those rules apply to residential and general contractors.

Local governments can require their own bonds or insurance for permits, so check the county or city you work in.

Hawaii $100k/$300k Liability + $50k Property

Source: Hawaii DCCA — Contractors License Board

Liability: A C-52 ventilating and air-conditioning contractor must keep general liability of at least $100,000 per person and $300,000 per occurrence for bodily injury, plus $50,000 per occurrence for property damage. A lapse causes automatic license forfeiture.

Workers’ comp: Required (or an approved Chapter 386 exclusion or self-insurance status).

Bond: Not automatic for every C-52. The Board can impose one, with a $5,000 minimum, based on financial condition and experience.

Idaho $2k Bond — No GL Floor

Source: Idaho Division of Occupational and Professional Licenses (HVAC Board)

Bond: HVAC contractors submit a $2,000 compliance bond (or an accepted industry-group bond) to obtain or maintain the contractor certificate.

Liability: The HVAC rules we reviewed do not require general liability insurance. The $300,000 liability requirement belongs to Idaho Contractors Board registration for general contracting, so it can still reach you if your work crosses over.

Illinois No State HVAC Rule — Local

Source: Local building departments (e.g., City of Chicago)

Illinois has no statewide HVAC contractor license. Chicago has no HVAC-specific license either. HVAC work that needs a building permit generally runs through a Chicago general contractor license, with liability limits that range from $1 million (Class E) to $5 million (Class A) per occurrence.

Suburbs and counties set their own registration, insurance, and workers’ comp asks. Workers’ compensation is required once you have employees.

Indiana No State HVAC Rule — Local

Source: Local licensing offices (e.g., Indianapolis)

Indiana has no statewide HVAC contractor license. Licensing is local. Indianapolis, for example, requires a city exam, experience, and a city license, plus $500,000 combined bodily injury and property damage liability with the city named as additional insured.

Indiana employers generally need workers’ compensation. Indianapolis lets no-employee sole proprietors, partnerships, and LLCs use a waiver, while corporations must carry coverage or hold an exemption certificate.

Iowa $500k Liability + $5k Bond

Source: Iowa Plumbing and Mechanical Systems Board (DIAL)

Liability and bond: A PMSB contractor license needs an active master of record for the discipline, $500,000 public liability insurance, and a $5,000 surety bond. Both must come from Iowa-authorized insurers and sureties and give the Board 10 days’ cancellation notice.

Registration and comp: Contractors also register under Iowa Code chapter 91C and provide workers’ compensation coverage or a Certificate of Relief if they have employees. Out-of-state contractors generally file a $25,000 bond under that chapter.

Kansas No State HVAC Rule — Local

Source: Local licensing offices (e.g., Sedgwick County / Wichita)

Kansas has no statewide HVAC contractor licensing board. Every city and county sets its own terms. In Wichita and Sedgwick County, a mechanical contractor license requires $300,000 general liability and workers’ compensation or a waiver, plus qualified journeyman and master certificates. Other Kansas cities set different limits, so check the one you work in.

Kentucky $500k GL + $300k Property

Source: Kentucky Department of Housing, Buildings and Construction (DHBC)

Liability: KRS 198B.668 requires HVAC contractors to maintain insurance. A Master HVAC contractor must carry $500,000 general liability and $300,000 property damage, with proof before issuance or renewal.

Bond: No state surety bond for HVAC licensing in the sources we checked.

Workers’ comp: Required when the business has one or more employees. DHBC’s renewal form asks for proof of both coverages. Confirm current limits on the DHBC application.

Louisiana License, No GL Floor (Commercial)

Source: Louisiana State Licensing Board for Contractors

Mechanical work (including heating and air conditioning) generally requires a license once a project exceeds $10,000. Insurance is not required to obtain or maintain the commercial mechanical license.

Residential exception: Residential and home improvement registrations and licenses carry $100,000 general liability and proof of workers’ compensation. Mold remediation carries $50,000. If you do residential replacement or add-on work, check which license you actually hold.

Maine No Single HVAC License — Fuel Board

Source: Maine Fuel Board

Maine does not issue one HVAC contractor license. Anyone installing or servicing oil, solid-fuel, propane, or natural gas equipment needs the matching Maine Fuel Board license. The Fuel Board sets no general liability minimum for those individual licenses.

If the business has employees, Maine requires workers’ compensation. Liability limits typically come from commercial customers or local permits.

Maryland $300k GL + $100k Property

Source: Maryland Board of HVACR Contractors (Division of Occupational and Professional Licensing)

Liability: HVACR master, master-restricted, and limited contractors who sign or approve contracts must carry at least $300,000 general liability and $100,000 property damage ($400,000 per occurrence). The certificate must name the Maryland Board of HVACR Contractors as certificate holder and show the policy number and expiration date.

Maryland also requires workers’ compensation under its general employer law. Confirm the current Board certificate language before you renew.

Massachusetts Sheet Metal Business License — COI

Source: Massachusetts Division of Professional Licensure (Sheet Metal)

Massachusetts does not have a single HVAC contractor license. Sheet metal HVAC work requires a Sheet Metal Business License with a designated Master Sheet Metal Worker, and the application requires a certificate of liability insurance. We did not find a dollar minimum in the application page.

Residential central heating and air conditioning is generally exempt from Home Improvement Contractor registration, but other residential work can require it. Employers must carry workers’ compensation for employees, with limited exclusions for owners.

Michigan License, No GL or Bond Floor

Source: Michigan LARA — Bureau of Construction Codes (Mechanical Contractors)

Michigan licenses mechanical contractors statewide through LARA, with a qualifying officer, experience, and an exam. We found no LARA requirement for general liability insurance or a mechanical-contractor bond.

Workers’ comp: Businesses with employees generally need Michigan coverage or a valid exclusion, and sole proprietors without employees are exempt. Local jurisdictions add their own: Madison Heights, for example, lists a $5,000 bond and liability insurance for mechanical contractors.

Minnesota $25k Mechanical Bond — No GL Floor

Source: Minnesota Department of Labor and Industry

Bond: Minnesota has no state HVAC license, but a business doing gas, heating, ventilation, cooling, air-conditioning, fuel-burning, or refrigeration work must file a $25,000 mechanical contractor bond with DLI. It lasts two years and costs $100 to file and $100 to renew, from a Minnesota-licensed surety.

Liability: DLI does not require mechanical contractors to submit liability insurance, but cities can. Minneapolis requires the state bond plus a city HVAC license, and St. Cloud asks for liability insurance and workers’ compensation documentation.

Mississippi $300k/$600k GL (Commercial)

Source: Mississippi State Board of Contractors

Liability: For a commercial mechanical (HVAC) contractor license, the Board requires general liability of at least $300,000 per occurrence and $600,000 aggregate, with the Board named for cancellation notice and the insured name matching the applicant.

Workers’ comp: Proof is required if you have five or more employees. Residential subcontractors have lighter rules, so confirm which license applies. We found no bond in the commercial application.

Missouri No State HVAC Rule — Local

Source: Local licensing offices (e.g., St. Louis County)

Missouri has no statewide HVAC contractor license. Licensing is local, and St. Louis County, for example, runs mechanical contractor licensing through Public Works.

Workers’ comp: Missouri requires coverage for construction employers with one or more employees. A sole proprietor with no employees can file an exemption affidavit when a local license asks for proof.

Montana Contractor License — WC Proof

Source: Montana Department of Labor & Industry

Beginning January 1, 2026, Montana requires a Construction Contractor License for construction work, including HVAC, when you have employees or operate as a corporation or manager-managed LLC. The license requires proof of Montana workers’ compensation compliance.

A sole proprietor or independent contractor with no employees is exempt from the contractor license but must hold an Independent Contractor Exemption Certificate or self-elected coverage if regularly working away from a fixed location. We did not find a liability minimum or bond. Confirm details with the Department.

Nebraska NDOL Registration — WC Proof

Source: Nebraska Department of Labor (Contractor Registration)

Nebraska has no statewide HVAC license. Any contractor or subcontractor doing construction work must register annually with NDOL, and contractors with employees file a current workers’ compensation certificate naming NDOL.

Cities license HVAC locally. Omaha requires a master ACAD contractor license, and Lincoln requires a master mechanical contractor and $500,000 liability coverage naming the city.

Nevada Board-Set Bond + Workers’ Comp

Source: Nevada State Contractors Board

Bond: A C-21 refrigeration and air-conditioning license requires a Board-set license bond, generally $1,000 to $500,000. The amount is set after approval based on the license type, monetary limit, financial responsibility, experience, and character.

Workers’ comp: Proof of industrial insurance is needed before issuance and at each renewal unless you sign an exemption affidavit. A business with employees must carry coverage. We found no general liability floor in the Board’s requirements.

New Hampshire Business License — Liability Proof, No Minimum

Source: NH Office of Professional Licensure and Certification (Mechanical Safety and Licensing Board)

New Hampshire has no general statewide HVAC contractor license. Gas work requires individual fuel-gas licenses and, for a business entity, a Mechanical Business Entity license. Electric AC, heat pumps, and refrigeration do not require a state mechanical license, though EPA 608 still applies.

Business entities seeking certain mechanical licenses must provide proof of liability insurance, with no statutory dollar minimum stated. Workers’ compensation is required for employers with employees, including part-time staff.

New Jersey $500k Combined GL

Source: NJ State Board of Examiners of HVACR Contractors

Liability: Master HVACR contractors must file with the Board a certificate of general liability insurance from a New Jersey-authorized insurer (or approved self-insurance) for at least $500,000 combined for property damage and bodily injury or death in one occurrence. The certificate is required to obtain or retain a pressure seal and to renew the license.

If a policy is cancelled or not renewed, a compliant replacement certificate must be filed before the old policy ends. Residential work may also trigger the separate Home Improvement Contractor registration, so confirm both with Consumer Affairs.

New Mexico $10k Bond + Workers’ Comp

Source: New Mexico Construction Industries Division (Regulation and Licensing Department)

Bond: An MM-98 mechanical contractor license requires a $10,000 corporate surety bond from a surety authorized in New Mexico, covering the three-year license term. A new bond or renewal certificate is provided at each renewal.

Workers’ comp: Required for all CID-licensed entities, including MM-98 contractors, regardless of employee count. General liability is not a state licensing requirement, though projects may demand it.

New York No State HVAC Rule — NYC Is Different

Source: NYC Department of Buildings / DCWP (for NYC work)

New York State has no statewide HVAC contractor license. In New York City, residential HVAC work over $200 generally requires a DCWP Home Improvement Contractor license, and commercial mechanical work runs through a registered general contractor and mechanical permit.

NYC HIC applicants must provide workers’ compensation or a valid state WCB exemption. DOB-licensed contractors must maintain workers’ compensation, disability, and $1 million general liability, with exemptions for businesses with no employees. Cities outside NYC set their own rules.

North Carolina License, No GL or Bond Floor

Source: NC State Board of Examiners of Plumbing, Heating and Fire Sprinkler Contractors

The Board does not require general liability insurance or a statewide surety bond to obtain or hold a Heating Group 1, 2, or 3 license. You must hold the appropriate license before contracting for covered heating work.

Workers’ comp: Not a licensing condition, but North Carolina law requires coverage once you regularly employ three or more employees. Local permits or customers may ask for a COI or bond.

North Dakota SOS License — Liability Certificate

Source: North Dakota Secretary of State (Contractor Licensing)

North Dakota has no statewide HVAC license, but any contractor doing work over $4,000 needs a Secretary of State contractor license. The application includes a liability insurance certificate naming the Secretary of State and WSI proof (a certificate of payment if you have North Dakota employees, otherwise a good-standing letter). No state contractor bond is required. We did not confirm a minimum liability limit, so check with the Secretary of State.

Mechanical and fuel-gas credentials come from cities. Grand Forks, for example, requires a state contractor license, a city mechanical license, a $5,000 city bond, and liability insurance.

Ohio $500k Liability (OCILB)

Source: Ohio Construction Industry Licensing Board

Liability: An OCILB HVAC license requires at least $500,000 contractor liability insurance including complete-operations coverage, in the name of the assigned contracting company. Proof is required to obtain the license, and coverage must stay in place afterward.

Workers’ comp: Ohio BWC coverage is required once you have one or more employees, and local registrations may ask for proof. OCILB covers commercial HVAC contractors, and cities add their own residential and local registrations.

Oklahoma $50k GL + $5k Bond

Source: Oklahoma Construction Industries Board

Bond and liability: To activate a mechanical (HVAC) contractor license, you provide a $5,000 continuous corporate surety bond payable to the CIB and a $50,000 commercial general liability certificate naming the CIB as certificate holder, with cancellation notice.

Workers’ comp: Not listed as a license-activation requirement, but employers with one or more employees generally must carry it. Sole proprietors are exempt.

Oregon $20k Bond + $300k GL (Residential)

Source: Oregon Construction Contractors Board (CCB)

Residential: A residential specialty contractor (the endorsement most home-service HVAC shops use) carries a $20,000 surety bond and $300,000 per-occurrence general liability. A residential general contractor carries a $25,000 bond and $500,000 per occurrence.

Commercial: Commercial licenses are tiered by level with higher bond and liability amounts. Read the CCB endorsement chart for the exact figures for your level.

Workers’ compensation applies once you have employees, and the CCB checks it. Verify your endorsement before you buy a policy.

Pennsylvania $50k/$50k GL (Residential HIC)

Source: PA Office of Attorney General (Home Improvement Contractor Registration)

Pennsylvania has no statewide HVAC contractor license. HVAC work on private residences generally triggers HICPA registration with the Attorney General if annual home improvement revenue is $5,000 or more. Registration costs $100 every two years and requires commercial general liability of at least $50,000 personal injury and $50,000 property damage.

Workers’ compensation is required if you have any employee. Cities add trade licenses: Pittsburgh requires an individual Mechanical/HVAC license plus evidence of workers’ comp or an exemption, and Philadelphia has its own contractor licensing.

Rhode Island $500k GL (CRB Registration)

Source: RI Contractors’ Registration and Licensing Board

Liability: HVAC businesses register with the Contractors’ Registration and Licensing Board and provide a $500,000 general liability certificate naming the Board as certificate holder. Master mechanical-trade license holders acting as contractors also provide RI DLT with current $500,000 public liability and property damage insurance.

Workers’ comp: If you have employees, provide workers’ compensation insurance naming the Board. Mechanical trade licenses (refrigeration and air conditioning, pipefitter, sheet metal) come separately from DLT.

South Carolina Bond or Net Worth by Group

Source: South Carolina Contractors’ Licensing Board

Bond or financials: A commercial mechanical license (air conditioning and heating classifications) needs qualifying financial statements or a surety bond. The bond is not mandatory if you meet the net-worth or working-capital threshold. Mechanical Group 1 is $7,000, Group 2 $15,000, Group 3 $30,000, Group 4 $60,000, and Group 5 $300,000. Confirm these on the Board’s current schedule.

Workers’ comp: South Carolina requires coverage once you regularly employ four or more people. We did not find a Board-level general liability floor.

South Dakota No State HVAC Rule — Local

Source: Local licensing offices (e.g., Sioux Falls)

South Dakota has no state HVAC or mechanical contractor license, and municipalities may regulate. In Sioux Falls, paid HVAC work requires a Mechanical Contractor license: pass the Master Mechanic exam, show four years of qualifying experience, then submit a $10,000 city compliance bond and license fees.

Workers’ compensation is not universally mandatory in South Dakota, but an uninsured employer can be sued by an injured worker. Ask the city and your customers what they require.

Tennessee $100k–$1M GL by Job Limit

Source: Tennessee Board for Licensing Contractors

Liability: A CMC (mechanical/HVAC) license requires a certificate of insurance naming the Board as certificate holder. Liability minimums step up with your monetary limit: $100,000 up to a $500,000 limit, $500,000 for $501,001 to $1.5 million, and $1 million above $1.5 million.

Workers’ comp: Required if you have employees, with an owner exemption available. No state bond for CMC; bonds apply to home improvement licensing and pre-license course providers.

Texas $300k Class A / $100k Class B GL

Source: Texas Department of Licensing and Regulation (ACR)

Liability: Class A air-conditioning and refrigeration contractors must keep commercial general liability of at least $300,000 per occurrence for combined property damage and bodily injury, $600,000 aggregate, and $300,000 aggregate for products and completed operations. Class B requires $100,000, $200,000, and $100,000.

Coverage must be maintained while the license is active, with proof filed with TDLR (16 TAC §75.40). Texas does not require employers to carry workers’ comp in general, but many customers and carriers will.

Utah $1M/$2M GL (H100)

Source: Utah Division of Professional Licensing (DOPL)

Liability: Utah replaced the S350 HVAC specialty with the H100 HVAC Contractor classification in spring 2026. New H100 applications require $1 million per occurrence and $2 million aggregate general liability, with DOPL named as certificate holder. Existing S350 holders have a transition period through November 30, 2027.

Workers’ comp: With employees, provide coverage naming DOPL plus unemployment and withholding registrations. Without employees, obtain a Utah Labor Commission coverage waiver. Utah requires proof of financial responsibility, so check DOPL for the exact bond or alternative.

Vermont Fire Safety Licenses — Verify Residential Rules

Source: Vermont Division of Fire Safety

Vermont has no single statewide HVAC contractor license. Technicians need the applicable Division of Fire Safety trade license: A1 for automatic gas and oil heating, C3 for refrigeration and air conditioning, plus oil burner installer certification where it applies.

Residential contractor registration through the Office of Professional Regulation has been reported to require $1 million per occurrence and $2 million aggregate liability for residential jobs of $10,000 or more. Confirm that threshold and the limits directly with OPR before relying on them. Employers with employees must provide workers’ compensation.

Virginia Bond or Net Worth — No GL Floor

Source: Virginia DPOR — Board for Contractors

Bond or net worth: HVAC firms need the HVA specialty designation plus a Class A, B, or C license. Class C has no net-worth or bond requirement. Class B needs $15,000 net worth or a $50,000 surety bond, and Class A needs $45,000 or the same bond.

Liability: Virginia does not impose a statewide general liability minimum for the DPOR license. Workers’ comp: Required only when the employer regularly has more than two employees, including subcontractor employees.

Washington $15k Bond + $200k/$50k Liability

Source: Washington Department of Labor & Industries

Bond: HVAC/R is a specialty contractor classification. Specialty contractors register with L&I and post a $15,000 continuous surety bond or qualifying savings account.

Liability: Required general liability is $200,000 public liability plus $50,000 property damage, or $250,000 combined single limit, with L&I as certificate holder. Older $12,000 and $6,000 bond figures floating around online are outdated. Washington runs its own workers’ comp fund, so employers report hours and pay premiums to L&I.

West Virginia License — No GL or Bond Floor

Source: West Virginia Division of Labor

A contractor license is required for HVAC work of $5,000 or more residential or $25,000 or more commercial, and each person doing HVAC work also needs an HVAC technician certification. Before licensing, the business certifies compliance with business franchise tax, workers’ compensation, and unemployment rules.

Workers’ comp is required for all West Virginia employers, and commercial construction employers generally post a wage bond unless exempt. No general contractor surety bond is part of the license itself. Check with the Division on current liability asks.

Wisconsin HVAC Registration — No GL or Bond Floor

Source: Wisconsin DSPS (HVAC Contractor and Qualifier)

Wisconsin registers HVAC contractors under SPS 305.70 and credentials an HVAC Qualifier through experience, education, and an exam. The rules we reviewed list no liability insurance or bond requirement for HVAC registration. Insurance and financial-responsibility rules in the code apply to dwelling contractor certification.

If your business also does dwelling construction or remodeling, those separate rules may apply. Employers with employees must carry workers’ compensation, and cities and customers add COI asks.

Wyoming No State HVAC Rule — Local

Source: Local licensing offices (e.g., Cheyenne, Casper)

Wyoming has no statewide HVAC or mechanical contractor license. Cheyenne requires a Class C-1 HVAC contractor license with a qualified supervisor, ICC-approved testing, liability insurance, and Wyoming workers’ compensation good standing. Casper requires a mechanical contractor license, testing, notarized experience, and proof of insurance before issuance.

Employers must register with Wyoming Workforce Services and secure required workers’ compensation before work begins. Dollar limits vary by city, so ask the building department.