Janitorial Workers Compensation Insurance
Great janitorial workers compensation insurance coverage doesn’t have to break the bank. Redvo Workers Comp Brokers serves all high-risk industries and can help you save 30-40% on your premiums.
Are you looking for the best workers’ comp rates for your janitorial staff? You’re not alone. Many janitorial business owners search online for affordable coverage that keeps them compliant with workers’ compensation laws—but finding the right policy can feel overwhelming.
As an employer, the last thing you want is to stress over rising insurance costs, especially when those costs directly impact your business and your employees. Yet, skipping out on this essential protection can leave your staff—and your company—at serious risk.
Across the country, janitorial workers often struggle to access quality, affordable workers’ compensation coverage. That’s where we come in.
Redvo Workers Comp Brokers was built with one mission: to make sure every janitorial business—big or small—gets the coverage it needs at a price it can afford. We’re here to protect your team so your cleaners can stay safe, healthy, and productive—no matter the economic climate.
Workers’ compensation isn’t just about meeting legal requirements—it’s an investment in your workforce’s safety and your company’s future. We partner with you to find flexible, budget-friendly policies that ensure your employees are covered and your operations are protected.
The best way to find the right policy is to speak with someone who understands the janitorial industry. At Redvo Workers Comp Brokers, we take the time to understand your business and tailor a solution that fits your unique needs.
What You Need to Know About Janitorial Workers Comp
Hiring a new employee is always a step forward—but it also comes with risk. If an accident happens on the job, your business could face serious legal and financial consequences. Medical expenses, lost wages, and even lawsuits can stack up quickly—sometimes enough to put a company out of business.
Even if the incident wasn’t entirely your fault, without proper workers’ compensation insurance, you could be on the hook for thousands in costs. We’ve all seen the devastating impact of insufficient coverage, and it’s a risk no employer can afford to take.
Workers’ comp laws are designed to protect everyone—both the employer and the employee. With the right policy in place, you don’t have to live in fear of a workplace accident wiping out everything you’ve built.
The risks are too high, and your business has too much at stake. Don’t wait until it’s too late.
Why Workers’ Comp Insurance for High-Risk Industries Is Essentia
Janitorial workers and office cleaners consistently rank among the highest for workplace injuries. Even in states where workers’ compensation coverage isn’t mandatory, it’s in your best interest to carry sufficient insurance. Without it, a single accident could lead to devastating financial consequences—or even force your business into bankruptcy.
Unfortunately, many janitorial business owners struggle to find affordable coverage outside of the state workers’ compensation fund. Being classified as high-risk often means plans feel out of reach and cost-prohibitive—putting employers in a seemingly impossible situation.
That’s where we come in. Instead of leaving your business vulnerable or settling for inadequate protection, let the experts at Redvo Workers Comp Brokers help you secure smart, affordable coverage tailored specifically for the janitorial industry.
Safeguard Your Janitorial Business and Employees
Working with a workers’ compensation insurance plan can help protect your business and employees. The right coverage means the financial burden is taken off of you, so that all focus may be on what matters most: running an efficient company!
Hence, once an employee settles his or her claim through the insurance company, he/she will not be able to bring any lawsuit against your business for injuries sustained during work hours.
At Redvo Workers Comp Brokers, we help you find the best plan to safeguard your business and workforce, ensuring both your company and employees are protected in the event of an accident or injury.
Workers’ Compensation Limits Protect Your Company
Work comp coverage is important for any business that has employees. This type of insurance protects the company from lawsuits related to injuries or illnesses incurred during work hours, which can arise when an employee suffers a bad injury on-the job and/or decides to sue you as their employer in hopes of getting compensation money damages – but only if they’ve reached maximum limitations set by law!
How Are Workers Compensation Rates Calculated?
If you are wondering what to expect regarding workers comp rates for a high-risk industry like janitorial, it helps to know how the rates are calculated.
Insurance companies use a formula based on the janitorial workers comp class code, which is the National Council on Compensation Insurance (NCCI) Class Code 9014.
They calculate the final amount based on the rates NCCI designates to this classification, multiplying the rate by every $100 of payroll assigned to each class code.
The payroll figure is a snapshot of what you’ve earned for the year. Another factor going into the calculation is the Experience Modification (EM) number, which starts at one and increases each time there is a workplace accident.
So the calculation is:
Payroll x Classification Rate x Experience Modification Number = Workers Comp Rate or Premium.
A higher classification rate for high-risk industries like janitorial workers’ compensation insurance with a higher EM number means you will have higher workers’ compensation insurance premiums.
The good news is that Redvo Workers Comp Brokers can match your business with a pay-as-you-go plan to make coverage as affordable as possible. There’s no need to go without it!
Janitors can also slip or fall while working on wet surfaces. Some go on to develop repetitive motion injuries. Even the fumes from cleaning chemicals can irritate or damage a worker’s lungs. Janitorial companies should buy a janitorial workers’ compensation insurance policy to cover all their employees.
How Much Is the Average Workers Comp Settlement?
The NCCI reports that the average janitorial workers comp claims for lost-time is more than $23,000. Imagine having to come up with that money out-of-pocket. Many companies would simply have to close their doors, which is why having the necessary coverage is crucial.
The amount of money an injured employee receives will depend on several factors, including:
- Nature of the injuries
- Amount of time out of work
- Rehabilitation necessary
- Disability
Workers’ compensation cases can take many different forms. Sometimes, an employee will need time off work for injury or illness which is covered by their policy up until the point where they return to employment.
In other situations though it may be necessary to go through a court hearing in order arrive at fair agreement between both sides – employer versus employee – but when this happens workers’ comp insurance covers all fees associated with these proceedings so there isn’t anything else outstanding except medical treatment needs that have already begun before any agreements had been reached
Does Workmans Comp Pay Your Full Salary?
Workers’ compensation insurance does not cover the full salary, but it will pay up to about two-thirds of an employee’s regular salary.
Here’s what the insurance covers:
- Necessary medical and hospital expenses for diagnoses and treatment, including follow-up appointments.
- Disability payments while the employee is unable to work due to injuries.
- The benefits of rehabilitation, physical therapy and retraining vary from state to state.
How Can Redvo Workers Comp Brokers Help You?
Workers’ comp is a complicated topic, and we understand that you may be hesitant to contact an insurance company. At Redvo Workers Comp Brokers, we are experts in the field, so don’t hesitate! We can help your business find coverage tailored specifically for its needs at prices that fit any budget – even ones on tight schedules (we know what it’s like).
Also, because you’re in the janitorial industry, you might be interested in the following:
Pay-as-you-go workers comp
High Modification
Why PEO plans are becoming more popular
We know how difficult it can be to secure insurance when your carrier is not willing or able. We also have the solution for those facing non-renewal from their current provider, coverage gaps that need addressing quickly before they become risks again, and high experience modification numbers on file with us already!
At Redvo Workers Comp Brokers, our Pay-As-You-Go Plans make it easy for businesses of any size to live up to their workers’ compensation obligations and avoid annual audits. Plus, our plans offer professional risk management services at no extra cost! We can help your business thrive like never before by getting you out of the State Fund and into one that better meets all needs – both legal ones, too!
While many of these injuries are minor, the bills for medical treatment or lost wages add up quickly. Restaurant owners need a current workers’ compensation plan to cover any employee who has an on-the-job injury.
Contact Redvo Workers Comp Brokers Now to Get Started
Your search for workers’ compensation coverage for janitorial services is over. Call us, our team at Redvo Workers Comp Brokers is ready to explore your top options.
We are ready to be your trusted partner to help you through the process, so you can do what is necessary today to avoid costly problems in the future.
Call Redvo Workers Comp Brokers and let our experts show you the best workers’ comp rates for janitorial workers’ compensation insurance. With our Pay-As-You-Go Plans, we make it easy for businesses of any size to live up to their workers’ compensation responsibility and avoid annual audits. Plus, our plans offer professional risk management services at no extra cost! We can help your business thrive like never before by getting you out of the State Fund into one that better meets all needs – both legal ones, too!
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