What is Housing Authorities Workers Compensation Insurance (Class Code: 9014)?
Housing Authorities Workers Compensation Insurance, classified under code 9014, provides coverage for employees of housing authorities who are injured or become ill on the job. This specialized policy helps ensure that workers receive the medical care and wage replacement they need while protecting the employer from significant financial liability due to workplace injuries.
Who Needs It
Any public housing authority or agency employing staff—whether administrative personnel, maintenance workers, or property managers—should carry this type of workers compensation insurance. It is typically required by state law for any organization with employees, and housing authorities are no exception.
What It Typically Covers
This coverage generally includes:
- Medical expenses for work-related injuries or illnesses
- Partial wage replacement during recovery
- Rehabilitation services
- Disability benefits for temporary or permanent disability
- Death benefits to dependents in case of a fatal incident
Common Exclusions and Limitations
While comprehensive, workers compensation insurance does not cover everything. Common exclusions may include:
- Injuries that occur while an employee is intoxicated or violating company policy
- Self-inflicted injuries
- Injuries that happen outside the scope of employment
- Independent contractors or volunteers, unless specifically included in the policy
Factors That Influence Cost
Several factors affect the cost of coverage, including:
- Number of employees and total payroll
- Type of work performed and associated risk levels
- Claims history and safety practices
- State regulations and classification codes
Proof of Insurance & Compliance
Most states require proof of workers compensation insurance before a housing authority can legally operate. Certificates of insurance are often needed for regulatory compliance, contracting, and grant eligibility. Always check with your state’s labor or workers compensation board for specific requirements.
How to Get a Quote
Getting covered is simple. Our team can help you find the right policy tailored to your housing authority’s needs. Get a workers compensation insurance quote today.
Frequently Asked Questions
Is Housing Authorities Workers Compensation Insurance required by law?
In most states, yes. If your housing authority has employees, you are typically required to carry workers compensation coverage.
What happens if an employee is injured off-site?
If the injury occurred while performing work duties, even off-site, it is usually covered. Each case depends on specific circumstances.
Are volunteers covered under this policy?
Volunteers are generally not covered unless the policy is specifically extended to include them. Check with your insurer for options.
Can part-time staff be covered?
Yes, part-time and seasonal employees are usually included under workers compensation policies, depending on state rules.
How do we file a claim?
Claims are typically filed through your insurance provider. Promptly report the incident, gather documentation, and follow your insurer’s procedures.
Still have questions? Talk to a local insurance expert.