A workers' compensation program at an affordable price
If you are a hotel employee who has been injured on the job, there is a way for you to get treatment and compensation. Numerous kinds of injuries may occur in a hotel setting. As a consequence, each of these will need a unique therapy and/or medical care. Additionally, the injured party must find out the kind of compensation to which they are entitled. This is when a policy of Hotel Workers Compensation Insurance comes in handy. If an employee is injured on the job, the state insurance fund may cover part of the medical and/or work-related costs incurred as a result of the accident.
Numerous states require hotel employers to have workers' compensation insurance. The aim of this criterion is to ensure that all workers and employers involved in hospitality-related activities remain accountable for their employees' or employers' health and safety programs. In essence, this implies that, if an accident occurs on the job that results in severe or life-threatening injuries, the firm or corporation will be liable for the associated expenses. A hotel's employer is often obliged to have workers compensation insurance coverage in order to comply with the law.
Accidents can occur even when the most aggressive measures to avoid them are taken. It’s critical that employees understand the full scope of benefits to which they are entitled if they are injured on the job. A competent and experienced workers' compensation attorney can not only explain these advantages but can also assist the injured worker in obtaining them.
Hotel Workers' Most Common Injuries
- Falls and slips
- Sprains and strains
- Movements that are repetitive
- Chemical exposure
What Is the Cost of Hotel Insurance?
Clients pay an average of about $2.29 per $100 of payroll for workers' compensation under the hotel class code. A general liability insurance coverage typically costs about $7,800.00.
Hotel Workers' Compensation Codes
Hotel Employees have the class code 9052
Business activities primarily involve the operation of hotels, motels, apartments, motor courts and boarding houses. Generally, the class code encompasses all employees except those listed under class codes 8810- Clerical or 9058- Hotel Restaurant and Food Service.
The following types of workers fall into this category:
- Staff at the front desk
- Staff at the reservations desk
- Maintenance Staff
- Store Workers
- Laundry Staff
- Garage Employees
Hotels with country club operations should have separate ratings under the 9060-Country Clubs and Golf Courses class code. Hotels that have country club operations are classified under the 9060-Country Clubs and Golf Courses class code.
Medical Care Benefits for Hotel Workers’ Comp Insurance
- Temporary Medical Care Payments for Disability
- Payments for Permanent Disability
- Supplemental Compensation for Job Displacement (voucher if you are not offered to return to work by your employer)
- Death Benefits for the Worker's Dependents
Costs of Workers' Compensation
- Work Comp is charged on a per-employee basis
- Your state and EMR rating will have an impact on the pricing
- Rates may vary depending on the kind of hotel/motel job
- Discounts on premiums and insurance credits may be available