Buying workers’ compensation for:

Personal Services and Miscellaneous Organizations

Personal Services

What to Know

  • Personal Services and Miscellaneous Organizations includes services performed for individuals or communities, such as businesses that offer repair and maintenance of equipment or personal goods (jewelry repair, dry cleaning), personal care services (salons, weight-loss centers), death care services, and all personal, professional and religious associations are in this industry.
  • If you run a non-profit organization, you may be exempt from providing workers’ compensation coverage for employees. Check with your state’s guidelines to see how you are classified.

Potential Hazards

  • Jobs in offices, repair shops and salons 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 these settings.
  • Some jobs in this industry can be very physically demanding, involving work around heavy objects or machinery and putting workers at higher risk for accidents, strains and repetitive stress injuries. Exposure to harsh chemicals in cleaning products can cause tissue or respiratory damage.
  • The nature of your business, number of employees being covered and past coverage and claims are all factors in how much your premium will cost.

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.