Workers’ Compensation for Restoration Contractors

Eligible Class Codes

  • 9014 – Janitorial Building Operations by Contractor
  • 9012 – Building Operations by Owner, Lessee or Real-Estate Management Firm
  • 971 – Janitorial Building Operations by Contractor (PA/DE)
  • 9030 –Janitorial Building Operations by Contractor (NY)
  • 2584 – Carpet, Rug or Upholstery Cleaning Operations
  • 2589 – Dry Cleaning Operations
  • 142 – Carpet, Rug or Upholstery Cleaning Operations (PA/DE)
  • 2585 – Carpet, Rug or Upholstery Cleaning Operations (MI/NJ)
  • 2590 – Carpet, Rug or Upholstery Cleaning Operations (NY)
  • 2583 – Carpet, Rug or Upholstery Cleaning Operations (TX)

Highlights

  • Exclusive and limited distribution carriers
  • Mold remediation up to 50% of total payroll
  • Direct access to carrier programs, rating & pricing through your local RT Specialty WC broker or underwriter
  • Monthly self-reporting plus additional payment plans (options vary by state)
  • Multi-location / multi-state risks are eligible
  • New ventures reviewed on an account-by-account basis
  • Available nationwide, excluding AK and monopolistic states (ND, OH, WA & WY)

Ineligible Risks

  • Asbestos Operations (unless 100% subcontracted out)
  • Lead Abatement
  • Crime Scene Clean Up
  • Use of Hazardous Chemicals
  • Non-Licensed Contractors

Submission Requirements

Marketing Sheet

This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only. The description of this program is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same. RT Workers' Comp operations are conducted by RT Workers' Comp Specialty, a part of the RT Specialty division of RSG Specialty, LLC (RSG Specialty) and by International Facilities Insurance Services, Inc. (IFIS). RSG Specialty is a Delaware limited liability company based in Illinois. IFIS is a California corporation based in California. RSG Specialty and IFIS are subsidiaries of Ryan Specialty Group, LLC. RT Workers' Comp works directly with brokers, agents and insurance carriers, and as such does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License #0G97516) and International Facilities Insurance Services, Inc. (License #0B23543). ©2025 Ryan Specialty, LLC.

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