Best Rate Workers Comp for Carpet Cleaning Companies

Best Rate Workers Comp for Carpet Cleaning Companies

Workers Comp for Carpet Cleaning Companies can be quite expensive, depending on your business size and operations. Despite the high cost associated with this coverage, there are ways of bringing the rate down. This blog will go over some of the things you can do to assure you are getting the best rate for your Carpet Cleaning Company’s Workers Comp.

Best Rate Workers Comp for Carpet Cleaning Companies – Bundling Policies

While most Workers Comp policies are not directly eligible for multi-policy discounts. You can often obtain discounts on your other policies for carrying Workers Comp. This can include discounts on your General Liability, Business Owners Policy, or Commercial Auto. These multi-policy discounts are highly dependent on the carrier, and vary significantly from carrier to carrier. We always recommend checking with your other carriers to see if there are any multi-policy discounts that may have been overlooked during the quoting process.

Best Rate Workers Comp for Carpet Cleaning Companies – Employee Classifications

Correctly classifying your Carpet Cleaning Company’s employees is a critically important part of assuring you are getting the best rate Workers Comp possible. This is primarily because the rates associated with different class codes can vary substantially. In California, Carpet Cleaning employees typically fall under the 2584 class code, also referred to as carpet, rug, or upholstery cleaning. However, there are other class codes which may apply, depending on your operations. Outside sales employees can often be classified as 8742, outside sales. Alternatively, inside clerical employees may be eligible for the 8810 class code, also referred to as clerical. These minor changes can be a big difference in your bottom line, so make sure you check!

Best Rate Workers Comp for Carpet Cleaning Companies – Additional Discounts

There are often additional discounts you can obtain to get the best rate possible. If your Carpet Clenaing Company has formal safety procedures or a return to light duty plan, you may be able to obtain additional discounts. Alternatively, many carriers give discounts for maintaining continuous coverage with no lapses and/or claims. These types of discounts aren’t always applied automatically, therefore it may be worthwhile to check with your Agent/Broker.

If you would like to obtain the Best Rate on your Carpet Cleaning Company’s Workers Comp policy, we would love to help you. Give us a call at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

If You Are Serious About Saving Money While Building A Long Term Business Relationship Please Request A Quote And We Will Be In Touch With Your Shortly!