What does workers' compensation insurance cover?
Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for office workers who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the office worker is killed in a work-related incident.
In addition to helping office employees and their families, workers’ compensation insurance can also help protect office business owners. Workers’ compensation helps protect office 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 an office worker is harmed while performing work duties.
Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, office worker injuries must:
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have happened to an office employee (not a vendor or independent contractor),
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be the result of an office workplace injury or illness during employment, and
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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 office 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 office and professional services industry. Below are a few of the most common class codes in the industry.
8810 – Clerical office employees
8603 – Architectural or engineering firm
8601 – Consultants for architectural or engineering operations
9101 – Employees that work for a college or school, in a manual labor capacity or other non-professional positions
8803 – Providing accounting, auditing, efficiency programs, etc. by means of traveling personnel
