Arkansas HVACR NewsMagazine September 2025

HVACR NewsMagazine September 2025

Code REgulation Legislation News

Licensed but Working for Someone Else?

So, how do you document your situation and satisfy the rule that you must have general liability insurance. Simple, just have your employer provide a letter stating the fact that you are their employee and that they carry insurance that covers you doing work in their employment. The following page is a sample letter that you might use. Put the letter on your employer's letter head and fill in the appropriate spaces for your license number, etc. This is just an example. Your employer or the Department may want to make changes. This is just a starting place. Bottom line, knowing the law and the rules positions you to have the benefits of your Trade license without incurring unnecessary costs. Hope you find this helpful. Again, as long as you do not do side work of any kind, you are covered by your employer’s insurance and you do not need to carry your own general liability policy.

If you have a HVACR Trade license, “A”, “B”, “D”, “E”, you are required to have general liability insurance. Not much, only $250,000. Why so low, just enough to cover a small claim and to give homeowners some confidence that you have some ability to “make right” a liability mistake. Liability insurance can be expensive, especially if you are purchasing it though a “non - commercial” provider. A “non commercial” provider would be someone that specializes in homeowner and personal auto coverage. A “commercial" provider specializes in commercial policies and generally can give you a better price. Even so, you don’t want to spend a few hundred dollars for coverage you don’t need. Coverage you don’t need??? Yes, if you have a HVACR Trade license but work for another contractor or company and you don’t do any side work, your employer is already insured. You do not need to carry your own policy. HVAC contractors, apartment complexes, industry, hospitals, etc. are examples of employers that may need to employee someone with an HVACR license and they carry insurance that covers you, their HVAC tech.

I ’ m Already Covered.

No insurance premium for me to pay