Workers may include janitorial staff, landscapers, and general maintenance workers, who perform essential tasks for the upkeep of buildings and premises. They may handle janitorial duties like cleaning and waste disposal, maintain outdoor spaces through landscaping efforts, and address various repairs and inspections essential for the building operation.
Workers’ Comp provides comprehensive coverage for the unique risks associated with this occupation.
What is Building Maintenance Workers Compensation (class code: 9015)?
Building Maintenance Workers Compensation insurance, classified under code 9015, is designed to cover the occupational risks faced by individuals who perform regular upkeep of commercial and residential properties. These workers may include janitors, custodians, groundskeepers, and general facility technicians. Due to their exposure to slippery surfaces, cleaning chemicals, and equipment hazards, maintaining adequate workers’ comp coverage is essential for both employers and employees.
Who needs it
This type of insurance is typically required by contractors, property managers, facility maintenance companies, and building service providers who employ maintenance personnel. Whether maintaining a high-rise office tower or a multi-unit apartment complex, organizations that hire manual laborers for cleaning, repairs, or landscaping face liability exposures that make workers’ comp coverage critical.
What it typically covers
A policy under class code 9015 generally provides coverage for:
- Medical expenses related to on-the-job injuries
- Lost wages due to temporary or permanent disability
- Rehabilitation services for injured employees
- Death benefits to dependents in fatal incidents
- Employer liability protection for work-related injury claims
For example, if a janitor slips while mopping a wet floor and sustains a back injury, the policy would help cover medical treatment and recovery time wages.
Common exclusions or limitations
While comprehensive, workers’ compensation policies do not cover all scenarios. Common exclusions may include injuries sustained outside of work hours or under the influence of drugs or alcohol. Additionally, independent contractors not classified as employees may not be eligible under standard policies.
Factors that influence cost
The cost of coverage is influenced by several underwriting factors, such as:
- Nature and scope of maintenance tasks performed
- Number of employees and payroll size
- Claim history and safety protocols in place
- State-specific workers’ comp regulations
Implementing risk management strategies and safety training may help reduce premiums over time.
Proof of insurance & compliance
Most states require proof of workers’ compensation insurance for employers with maintenance staff. This certificate of insurance is often needed when bidding on commercial contracts or leasing property. It demonstrates compliance with labor laws and offers reassurance to clients and employees alike.
How to get a quote
If you manage a team of maintenance professionals, getting the right coverage starts with a tailored quote. Request a quote today to ensure your workers and operations are protected from job-site hazards and liability exposures.
For broader coverage needs beyond workers' comp, property managers and contractors may also consider Building Maintenance Commercial General Liability Insurance to protect against third-party claims and property damage.
Related industries such as Mobile Home Park Operators may face similar operational hazards and benefit from comparable types of coverage.
Frequently Asked Questions
What is class code 9015 in workers’ compensation?
Class code 9015 refers to building maintenance or janitorial services, including indoor and outdoor upkeep tasks for commercial or residential properties.
Are part-time maintenance workers covered under this policy?
Yes, as long as they are classified as employees, part-time maintenance workers are typically covered under workers’ compensation insurance.
Is workers’ comp required for sole proprietors doing maintenance work?
Requirements vary by state, but many jurisdictions exempt sole proprietors unless they hire additional employees or subcontractors.
Does this coverage include landscaping tasks?
Yes, if landscaping is part of the general building maintenance duties, it is typically included under class code 9015.
Can I combine this coverage with general liability insurance?
Yes, many businesses combine workers’ comp with general liability coverage for more comprehensive protection against both employee injuries and third-party claims.
Still have questions? Talk to a local insurance expert.