Workers' Comp for Cleaning and Janitorial
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Why do cleaning and janitorial businesses need workers' comp insurance?
Cleaning and janitorial professionals may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for cleaning and janitorial work-related injuries.
Not only is workers’ comp coverage legally required for almost all cleaning and janitorial businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk. For every dollar spent on a workers’ comp claim, $5 are spent in indirect costs—such as lost productivity, hiring and retraining cleaning and janitorial workers, and replacing or repairing damaged equipment.
The most common injuries experienced by cleaning and janitorial employees are:
– Strains and sprains
– Cuts and lacerations
– Multiple traumatic injuries
– Soreness and pain
– Fractures (broken bones)
Learn more about how workers’ compensation insurance can help protect cleaning and janitorial small businesses.
Over 80% of small businesses overpay for workers' comp coverage.
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.