The Most Trusted Source for Appliance & HVAC Industry Professionals

ServiceMag

Utah HVAC & Appliance Repair Insurance Requirements (2026)

HVAC Contractors

Specialty Contractor License — HVAC (S350) classification

Utah Division of Professional Licensing (DOPL), Dept. of Commerce
General LiabilityRequired

Minimums: $1,000,000 per occurrence / $2,000,000 aggregate

Licensed contractors, including HVAC specialty contractors, must carry a general liability insurance certificate naming DOPL as certificate holder, with minimum coverage of $1,000,000 per incident and $2,000,000 aggregate.[1]

Workers' CompensationConditional

Minimums: Workers' compensation certificate (with employees) or a Workers' Compensation Coverage Waiver from the Utah Labor Commission (without employees)

Condition: 1+ employee

Contractors with employees must carry workers' compensation naming DOPL as certificate holder; contractors with no employees must instead obtain an official coverage waiver.[1]

Appliance Repair

Utah's DOPL does not issue a state appliance-repair technician license. General plug-in appliance repair is unregulated at the state level. Gas appliance work requires the state-mandated RMGA (Rocky Mountain Gas Association) certification established by the Utah Legislature in 2002, and refrigerant handling requires federal EPA Section 608 certification, but neither is an insurance mandate.

Workers' Compensation Threshold

Utah requires workers' compensation coverage starting with the first employee — there is no minimum headcount threshold. Sole proprietors, partners, and LLC members with no employees are automatically exempt, and corporations with only directors/officers (no other employees) may file to exclude up to five officers/directors from coverage.

Ready to see what this could cost your business?

Frequently Asked Questions

Does Utah require insurance for HVAC contractors?▾
Yes. Specialty Contractor License — HVAC (S350) classification (Utah Division of Professional Licensing (DOPL), Dept. of Commerce) requires general liability insurance, workers' compensation insurance.
How much liability insurance does an HVAC contractor need in Utah?▾
For the Specialty Contractor License — HVAC (S350) classification, the required minimum is $1,000,000 per occurrence / $2,000,000 aggregate.
Do appliance repair businesses need a license or insurance in Utah?▾
Utah's DOPL does not issue a state appliance-repair technician license. General plug-in appliance repair is unregulated at the state level. Gas appliance work requires the state-mandated RMGA (Rocky Mountain Gas Association) certification established by the Utah Legislature in 2002, and refrigerant handling requires federal EPA Section 608 certification, but neither is an insurance mandate.
When is workers' compensation insurance required in Utah?▾
Utah requires workers' compensation coverage starting with the first employee — there is no minimum headcount threshold. Sole proprietors, partners, and LLC members with no employees are automatically exempt, and corporations with only directors/officers (no other employees) may file to exclude up to five officers/directors from coverage.

Sources

  1. Utah State Legislature — Utah Code § 34A-2-103 — Employers enumerated and defined, accessed 2026-07-15
  2. Utah Division of Professional Licensing (DOPL) — Specialty Contractor License — Insurance Requirements, accessed 2026-07-15

Last verified 2026-07-15. Spot something inaccurate? Report an inaccuracy.