What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for cleaning and janitorial employees who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the cleaning or janitorial worker is killed in a work-related incident.
In addition to helping cleaning and janitorial employees and their families, workers’ compensation insurance can also help protect cleaning and janitorial business owners. Workers’ compensation helps protect cleaning and janitorial businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a cleaning or janitorial employee is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, cleaning and janitorial injuries must:
have happened to a cleaning or janitorial employee (not a vendor or independent contractor),
be the result of a cleaning or janitorial workplace injury or illness during employment, and
cause impairment and/or lost wages.
What are relevant types of class codes?
When you’re ready to start your 3-minute quote, you’ll need to know your cleaning or janitorial business’s class code.
A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.
There are many different workers’ comp class codes within the cleaning and janitorial industry. Below are a few of the most common class codes in the industry.
9014 – Commercial janitorial services
0917 – Residential cleaning or janitorial services