Workers Compensation

Workers compensation insurance is required by law in virtually every state for employers with employees. For mobile home park operators, workers comp covers medical costs, lost wages, and rehabilitation expenses for employees injured or made ill in the course of their employment. It also provides employer's liability coverage — protecting you from lawsuits by injured employees who claim that your negligence caused their injury.

Mobile home park maintenance and operations work carries real injury risk. Groundskeepers operate power equipment, climb ladders, and work in extreme weather. Maintenance technicians work with electrical systems, plumbing, and gas infrastructure. Office and management staff may be exposed to unhappy tenants or other workplace hazards. When a worker is injured on the job, workers comp ensures that their medical care is covered and that your business is protected from the financial consequences of a workplace injury.

Your workers comp premium is calculated based on your employee payroll and the classification codes assigned to each type of work your employees do. Accurate classification is important — misclassification can result in either overpaying (if employees are in a higher-risk code than their actual work warrants) or audit penalties (if lower-risk codes are used for higher-risk work). Contractors Choice Agency will ensure your workers comp program is structured correctly from the start.