Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
From busy offices to industrial facilities, Massachusetts cleaning crews work in fast-paced environments where lifting injuries, repetitive motion, and exposure to cleaning agents are common. Workers’ comp insurance ensures financial protection when the unexpected happens.
Any cleaning business with even a single employee is required to carry workers’ compensation insurance in Massachusetts. Violating this requirement may result in fines, legal consequences, and enforced suspensions. Find out more about How Workers’ Comp Works in Massachusetts here.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
For more details on cleaning class codes, visit this guide: Janitorial Services Workers' Compensation Class Codes
0917 - Residential Cleaning Service
0917 - Janitorial Service (50% or more Residential)
9014 - Janitorial Services by Contractors - No Window Cleaning above Ground Level
9014 - Janitorial Service (less than 50% Residential)
9014 - Commercial Janitorial
9014 - Post Construction Cleaning - No Debris Removal
9014 - Vacation Rental Cleaning
9014 - Residential Swimming Pool Maintenance
9014 - Exterminator - No Pest Removal
9014 - Pet Waste Removal Service
9014 - Chimney Cleaning - From Ground Level
9014 - Power or Pressure Washing - From Ground Level
9170 - Janitorial Services by Contractors - Window Cleaning Above Ground Level
9403 - Junk Removal
5610 - Post Construction Cleaning with Debris Removal
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
For more detailed strategies, check out these tips on how cleaning businesses can save on their workers' compensation insurance.
Not always. Some policies provide temporary coverage, but if the job lasts more than a short period, you may need to officially add the state. Always confirm with your insurance company before accepting work outside your usual region.
Yes, but be sure that your subcontractor carries their own workers' compensation insurance. Always request a Certificate of Insurance (COI) to confirm they have active coverage before they start.
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