Workers Compensation in Administration & 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.

About 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.

Administration & Facilities Support Services Work Class Codes

Office management services
Employment agencies
Temporary staffing services & employee leasing services
Business service centers
Collection agencies & credit bureaus
Travel agencies
Cleaning & janitorial services

Other Tips

If you employ workers in multiple states or your employees are temporarily working out-of-state, you need to purchase insurance for all the states where your workers are located, according to each state’s laws.

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.

Learn more about workers’ comp insurance rates >>

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Here's What You Need to Get Started

To buy workers compensation insurance, you need to request a quote from a licensed insurance agent and provide some details about your business.

Here’s what to have in front of you:

Number of employees in each class code.
Total payroll for all employees. You may be able to exclude yourself if you don't wish to be covered under the policy.
Federal ID Number. If you are a sole proprietor, you can use your Social Security Number.
Copy of your workers comp insurance policy, if you've had coverage or claims in the past few years. If you know your company's experience mod, please have your experience mod rating sheet or policy in front of you. Otherwise, you will be assigned a default rating of 1.0.