...'cause they can get hurt
Ouch! Accidents are inevitable. In the event of a hazardous situation, having an extra layer of protection is key. Janitorial workers’ compensation insurance can cover medical expenses and lost wages during recovery if someone gets hurt on the job.
Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.
If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.
Since the company had a workers comp policy, they do not need to pay anything towards the bills.
The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.
The rate is based on the level of risk for that job description.
Premiums are primarily calculated by using your payroll numbers and your NCCI class code.
0917 - Residential Cleaning Service
0917 - Janitorial Service (50% or more Residential)
9014 - Janitorial Services by Contractors - No Window Cleaning above Ground Level
9014 - Janitorial Service (less than 50% Residential)
9014 - Commercial Janitorial
9014 - Post Construction Cleaning - No Debris Removal
9014 - Vacation Rental Cleaning
9014 - Residential Swimming Pool Maintenance
9014 - Exterminator - No Pest Removal
9014 - Pet Waste Removal Service
9014 - Chimney Cleaning - From Ground Level
9014 - Power or Pressure Washing - From Ground Level
9170 - Janitorial Services by Contractors - Window Cleaning Above Ground Level
9403 - Junk Removal
5610 - Post Construction Cleaning with Debris Removal
Searching for workers’ compensation insurance for janitorial services? Kickstand Insurance provides policies for commercial and residential cleaning services so you can have peace of mind while your employees are on the job.
Classify your workers correctly
For example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.
Report every incident
- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
Prepare for your audit
Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later!
How quickly can I get my certificate of insurance?
Certificates are usually issued 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.
While cleaning offices, typically class code 9014, we will sometimes clean the exterior windows using a ladder. Is this kind of work covered by my workers comp policy?
It can be. Be sure the right code was used to describe exterior window cleaning, class code 9170.
We offer maid and home cleaning services in addition to some commercial janitorial cleaning. How should my business be classified?
The best class code for a business like yours is Residential Cleaning class code 0917.
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