Building staff
Workers’ compensation for property managers and building operations
Workers’ compensation placement based on who employs the staff, what work they perform, and where payroll belongs.
Supers, porters, maintenance staff, office employees, and contractors can create different classification and insurance questions. The employer, duties, payroll, states, and subcontractor controls need to be clear.
A fit to explore for
- Property-management firms
- Building owners with payroll
- Condo/co-op employers
- Maintenance operations
- Multi-state property operations
Common considerations
- Employer identity
- Employee duties and class codes
- Payroll by state
- Subcontractors and certificates
- Experience modification
- Policy audit
Questions
A clearer place to begin.
Start with the practical details that shape the application and review.
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 schedule.
Are independent contractors automatically excluded?
No. Classification and legal treatment depend on facts and jurisdiction. Obtain professional guidance and maintain appropriate documentation.
Start a conversation
Send us the risk.
Share the building, occupancy, timing, and current coverage. We’ll review it and come back with the next useful step.