Workers' Comp for Hotels and Hospitality Workers
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Why do hotels need workers' comp insurance?
Hotel and hospitality 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 hospitality work-related injuries.
Not only is workers’ comp coverage legally required for almost all hospitality businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk.
The most common injuries experienced by hotel employees are:
– Slips, trips, and falls
– Repetitive motion injuries
Learn more about how workers’ compensation insurance can help protect hotel and hospitality employees.
More than three-quarters 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 hospitality workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to a hotel employee’s dependents if the employee is killed in a work-related incident.
In addition to helping hotel employees and their families, workers’ compensation insurance can also help protect business owners. Workers’ compensation helps protect hotels 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 hotel worker is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, hospitality and hotel injuries must:
have happened to a hospitality or hotel employee (not a vendor or independent contractor),
be the result of a hospitality or hotels 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 hotel 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 hospitality industry. Below are a few of the most common class codes in the industry.