Building staff
Workers’ compensation for property managers and building operations
Workers’ compensation for building staff, based on who employs them, what work they perform, and where payroll belongs.
Supers (building superintendents), porters, maintenance staff, office employees, and contractors can require different insurance classifications. The employer, duties, payroll, states, and subcontractor controls need to be clear.
Who this covers
- Property-management firms
- Building owners with payroll
- Condo/co-op employers
- Maintenance operations
- Multi-state property operations
What underwriters look at
- Employer identity
- Employee duties and class codes (categories based on the work performed)
- Payroll by state
- Subcontractors and certificates
- Experience modification (a claims-history factor used in pricing)
- Policy audit (the carrier's review of actual payroll and operations after the policy period)
Common questions
Who should be the named insured?
The actual employer and related entities must be evaluated. Entity structure and employment relationships should not be guessed from a property list.
Are independent contractors automatically excluded?
No. Classification and legal treatment depend on facts and jurisdiction. Obtain professional guidance and maintain appropriate documentation.
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Tell us about the building staff and payroll.
Share the details and current coverage you already have. We’ll tell you what else is needed.