Florida HVAC license and insurance requirements

Florida HVAC license and insurance requirements

Matt Crawford
By Matt Crawford
Feb 2, 2024
9 min read
LinkedinTwitter

To get a Florida HVAC license, you’ll need credentials from the Department of Business and Professional Regulation (DBPR). License requirements vary depending on where you want to work and the type of HVAC services you offer.

Read ahead to learn all you need to know to get a Florida HVAC contractor license, including:

Florida HVAC license requirements 

The first step in structuring your HVAC business is to get a Florida HVAC license from the DBPR. Florida offers three licensing options:

  1. Class A certified air-conditioning contractor: A Class A license allows a contractor to install, maintain and repair heating and cooling systems of any size, allowing the contractor to work anywhere in the state.
  2. Class B certified air-conditioning contractor: This license allows a contractor to install, maintain and repair heating systems if the heating capacity per unit is below 500,000 BTUs and cooling systems if the cooling capacity per unit is less than 25 tons. Contractors with a Class B certified license can also work anywhere in the state.
  3. Registered air-conditioning contractor (Class A or B): This license allows a contractor to work on heating and cooling systems in a designated local area only, according to the state of Florida. 

Class A and B HVAC contractor licenses in Florida

In Florida, the requirements for Class A and Class B certified licenses are largely similar, except for one key difference. While both licenses require passing a state licensing exam, the Class A license exam includes a more extensive trade knowledge section, testing a broader range of industry knowledge compared to the Class B exam. 

For both Class A and B certified licenses, applicants must fulfill the following criteria:

  • Have a combination of education and experience totaling at least four years. Applicants with a four-year degree must have at least one year of experience, while applicants with no education experience must have at least one year of working as a foreperson.
  • Take and pass both sections of the Florida HVAC certification exam.
  • Submit an electronic copy of your fingerprints for a background check. 
  • Demonstrate financial responsibility through an official credit report with a FICO credit score above 660 or supply proof of completion of a 14-hour financial responsibility course approved by the Construction Industry Licensing Board.
  • Provide proof that you have resolved any liens, judgments or bankruptcies, if applicable.
  • Carry HVAC business insurance policies that meet the state minimum requirements (learn more below).
  • Complete and sign the appropriate state license application for Class A or Class B certified licenses.
  • Submit the application fee of $245 or $145, depending on the time of year you are applying.

How to get an HVAC license in Florida

HVAC contractors who only want to work in one city may prefer to get a registered Florida general contractor’s license. Registered contractors don’t have the same education and experience requirements as Class A and Class B contractors. They won’t need to take the state HVAC license exam, but local officials could administer an exam. 

To apply, applicants must:  

  • Submit a copy of the current local competency card provided by the local licensing authority.
  • Submit an electronic copy of fingerprints for a background check. 
  • Demonstrate financial responsibility through an official credit report with a FICO credit score above 660 or proof of completion of a 14-hour financial responsibility course approved by the Board.
  • Provide proof of resolved liens, judgments or bankruptcies, if applicable.
  • Carry HVAC business insurance policies that meet the state minimum requirements (learn more below).
  • Complete and sign the appropriate state license application for registered state licenses.
  • Submit the application fee of $305 or $205, depending on the time of year the application is filed.

The requirements for the local competency card will vary based on the local licensing authority. In Miami, for example, the Miami-Dade Department of Regulatory and Economic Resources sets the following requirements for an initial Journeyman license:

  • Combined education and experience totaling three years.
  • Letters from previous employers demonstrating work history.
  • Licensing fee of $240.
  • Passing scores of 75% or above on the local trade exam, which is open book and different from the two-part state licensing exam.
oct 2020 5a

Insurance for Florida HVAC licensed contractors 

The DBPR requires that all license holders in the construction industry carry certain levels of business insurance in Florida. In addition, certain types of HVAC insurance may help to protect your business.

General liability insurance

All division two license holders, including specialists like certified and registered HVAC contractors, must carry $100,000 in liability insurance and $25,000 in property damage insurance. 

These limits are significantly less than Florida general contractors, who must carry $300,000 in liability insurance and $50,000 in property damage coverage. 

General liability insurance in Florida can help cover the costs of work-related accidents or property damage to third parties.

Workers’ compensation insurance

License holders must also carry workers’ compensation coverage if they have employees unless they get an exemption within 30 days of their license being issued. This insurance can help provide wage protection and other benefits if an employee gets injured on the job.

Tools and equipment insurance

Tools and equipment insurance can help cover the cost of replacements and repairs for damaged or stolen work gear.

Commercial auto insurance

Commercial auto insurance protects against costs related to accidents, such as property damage and medical expenses, if you drive for work. 

Commercial property insurance

For buildings, inventory and equipment protection, you’ll need commercial property insurance. It covers your business in the event of damage to your property.

How long does it take to get a Florida HVAC license? 

HVAC contractors should expect the licensing process to take approximately three months, not including the time required to meet any experience or education requirements. 

An estimated timeline for the licensing process may look like this:

  • Register, study for and take the appropriate license exam: 2 to 6 weeks.
  • Gather proof of experience and other documentation requirements: 1 to 2 weeks.
  • Get fingerprinted at an approved Livescan Service Provider: Within five days of the application.
  • Submit an application for processing and assignment to a board review meeting: 2 to 4 weeks.
  • Prepare for a board review meeting: 2 to 3 weeks.
  • Upon approval, the license is issued: Within two weeks.

The total time for licensing will vary based on the kind of license you apply for, the number of applications the Board is currently processing and whether your documentation is complete at the time of application. 

The licensing process is slowed considerably if the licensing board has to ask you for additional supporting documentation. To expedite the process, make sure you understand the application process and requirements before you begin.

The Florida HVAC license exam 

Exams for Class A and Class B air conditioning contractor licenses consist of a business and finance test and a trade knowledge test. There are different trade knowledge tests for Class A vs. Class B licenses.

Applicants with a four-year accredited degree in construction or a trade-related degree approved by the licensing board are exempt from taking the trade knowledge test, according to the DBPR.

All applicants must take the business and finance portion of the test. If you’re taking the Class A air conditioning trade exam, expect 130 questions and 7.5 hours of testing time. The Class B HVAC trade exam has 80 questions and takes about 5 hours. 

You’ll also pay a $135 exam registration fee, an $80 testing fee for the business and finance portion and an $80 testing fee for the applicable trade knowledge test.

Since the requirements for registered HVAC contractors vary by location, you may also have to pass a trade knowledge exam. The local licensing authorities set these requirements based on local building codes and other factors, so the specifics for exams will vary by jurisdiction.

How NEXT helps Florida HVAC licensed contractors

NEXT can help you quickly find the right insurance at an affordable price so you can get your HVAC contractor license and protect your business. 

We’re 100% dedicated to self-employed workers and small businesses, which allows us to create customized insurance packages.

You can get a quote, explore options, purchase coverage and get your certificate of insurance in under 10 minutes with our seamless online option. It’s as simple as answering a few questions.

Start a free quote with NEXT.

banner get business insurance in 10
Matt Crawford
About the author

Matt Crawford leads NEXT's content team. He's a small business insurance specialist and has worked with business owners throughout his career as a community journalist and content marketer.


You can find him at one of his many favorite local restaurants in the San Francisco Bay Area when he's not at work.

What we cover
Chat with Us

Mon – Fri | 8 a.m. – 5 p.m. CT

FacebookInstagramTiktokTwitterLinkedinYoutube
© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
Better Business Bureau
Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.