Buying workers’ compensation for:

Administration and Facilities Support Services

Administration and Facilities Support Services

What to Know

  • This industry includes businesses that support the day-to-day operations of other businesses, and in some cases provide services to individual consumers.
  • While these services are often solicited on a contract basis, businesses must provide workers’ compensation for their own employees.
  • If you have no employees and believe you may be an independent contractor, check your state to see how it handles independent contractors.

Potential Hazards

  • Office jobs typically carry a low level of risk. Muscle strains, slip-and-fall injuries, carpal tunnel syndrome and other repetitive stress injuries are the most commonly cited claims in office settings.
  • Some jobs in this can be very physically demanding, involving heavy lifting or pulling and putting workers at higher risk for sprains, strains and repetitive stress injuries.
  • Exposure to harsh chemicals in cleaning products can cause tissue or respiratory damage.

Work Class Codes

Many businesses have several work class codes that describe what their employees do. It’s important to classify each group of employees accurately because it could alter your premium dramatically.

Other Tips

If your insured employs workers in multiple states or your insured’s employees are temporarily working out-of-state, they need to purchase insurance for all the states where their workers are located, according to each state’s laws. Call 1-800-476-2948 and let us walk you through it.

The nature of your insured’s business, number of employees being covered and past coverage and claims are all factors in how much their premium will cost.