HVAC Insurance Audit Defense for Florida Contractors
HVAC contractors in Florida, operating under class code 5537, face annual workers' compensation and general liability audits. Audit Monkey reviews every line of your HVAC audit, corrects class code errors, and disputes overcharges, ensuring Florida HVAC contractors receive fair assessments.
Common HVAC Audit Errors
- HVAC Service Tech vs Installation Crew Payroll Segregation (Class Code 5537): Audit Monkey addresses misclassification of service technicians versus installation crews, ensuring correct payroll segregation between class code 5537 and lower-rated codes.
- Missing COIs from Refrigeration and Sheet Metal Subcontractors: Audit Monkey helps resolve issues with missing subcontractor Certificates of Insurance (COIs) for sub-contracted HVAC work.
- Overtime Premium Exclusion from HVAC Workers Comp Audit Base: Audit Monkey ensures overtime premium is correctly excluded from the auditable payroll base for Florida HVAC contractors.
Frequently Asked Questions
What NCCI class codes apply to HVAC contractors in Florida?
HVAC contractors in Florida typically use NCCI class codes 5183 (Plumbing - Heating - Cooling) and 5190 (Electrical Wiring). The rate for class code 5183 is significantly lower than roofing but still substantial. Audit Monkey verifies that your HVAC employees are correctly classified and that subcontractors are not incorrectly included in your payroll, ensuring compliance with Florida regulations.
Do HVAC contractors in Florida get audited annually?
Yes, most HVAC contractors in Florida with annual premiums over $10,000 are audited annually. Florida's active construction market means HVAC contractors are in high demand, and carriers audit them aggressively to verify payroll and subcontractor compliance. Audit Monkey assists Florida HVAC contractors in navigating these annual audits.
What are the most common audit issues for Florida HVAC contractors?
The most common audit issues for Florida HVAC contractors are: missing subcontractor COIs (especially for refrigeration and sheet metal subs), incorrect class code assignments for office and warehouse staff, and failure to segregate payroll for employees who do both HVAC installation and service. Audit Monkey resolves all three common issues for Florida HVAC contractors.