Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Cleaning crews in Rhode Island tackle everything from corporate offices to medical facilities, where exposure to cleaning chemicals, repetitive motion injuries, and slip hazards are common. Workers’ comp insurance helps protect your employees and your business when accidents happen.
Cleaning businesses in Rhode Island must carry workers' compensation insurance if they employ at least one worker. Failure to meet these requirements could lead to significant fines and potential stop-work orders. Learn more about Rhode Island Workers Compensation Guidelines 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.
Your primary classification depends on where you do most of your work—residential cleaning falls under 0917, while commercial janitorial services are classified as 9014. You can list the secondary class as "IF ANY" without assigning payroll.
Small fixes like adjusting fixtures or tightening screws are usually included under your cleaning classification. More extensive repair work may require additional coverage.
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