Workers’ Comp Class Code 9052 Explained

Class Code 9052 is assigned to employees working in hospitality-focused environments such as hotels, motels, resorts, inns, and similar guest accommodations. The code is issued by the National Council on Compensation Insurance (NCCI) and is used in most states that follow the NCCI system.

This class code is broad in scope and generally applies to non-clerical hotel employees who are involved in day-to-day operations. These are the staff members who interact with guests, maintain the property, provide housekeeping services, and help keep the facility running smoothly.

Class Code 9052 is not meant for restaurant staff or workers whose duties are strictly clerical or executive-level. Instead, it’s used for roles commonly found in lodging operations, especially those that involve physical labor or regular contact with guests.

Understanding the purpose of this classification is essential for ensuring your policy reflects the true risk levels in your organization. That’s where NPN Brokers can help you avoid missteps and protect your bottom line.

Which Employees Are Covered Under Class Code 9052?

This classification typically includes a wide variety of hotel and resort personnel—many of whom have overlapping responsibilities. These roles may vary slightly depending on the size of the property or level of service offered, but in most cases, Class Code 9052 applies to:

• Front desk agents and guest service attendants who greet customers, check guests in and out, and handle basic concierge tasks.
• Housekeepers and room attendants responsible for cleaning rooms, restocking amenities, and maintaining guest comfort.
• Bellhops, valets, and doormen who handle luggage, park vehicles, and assist with arrivals and departures.
• Laundry staff managing the washing, drying, and distribution of linens and towels.
• Maintenance workers performing minor repairs or inspections that do not involve high-risk tools or electrical work.
• Janitorial or common area cleaning crews responsible for lobby areas, fitness centers, and public restrooms.

Each of these roles involves physical activity and guest interaction, which inherently carries a higher risk of on-the-job injuries compared to desk jobs. That’s why Class Code 9052 has a higher workers’ comp rate than clerical or executive codes but is still less than classifications that involve construction or skilled trades.

If you have employees who only perform administrative duties in an office setting—such as human resources, bookkeeping, or management—they may qualify under a separate clerical classification like Class Code 8810, which comes with a lower premium rate.

Similar Workers’ Comp Class Codes and How They Differ

It’s easy to confuse Class Code 9052 with others that are often used in hospitality-adjacent industries or within hybrid business models like hotel-restaurants. Below are several related class codes that are worth understanding to ensure accurate classification and avoid costly errors:

9050 (California-specific)

In states like California, which don’t follow the NCCI system, Class Code 9050 may apply to similar hotel operations. However, this code can include different rules regarding food service and alcohol sales depending on the insurer and the state’s workers’ comp board.

9058 – Full-Service Restaurants

This code is used for employees working in restaurants that offer formal table service, which may exist within hotels. If your hospitality business includes a restaurant, employees who cook, serve, or clean in that area may need to be classified separately under 9058 or a restaurant-specific code like 9082.

9063 – YMCAs, Clubs, Camps, or Lodges

Hospitality-style employees in lodges, summer camps, or social clubs may fall under 9063, especially if the lodging is part of a larger recreational or organizational facility.

8810 or 9071 – Clerical and Administrative Staff

Office workers, administrative staff, or executives not involved in physical labor or guest service duties should be classified under 8810 (general clerical) or 9071 (clerical in hospitality), depending on state rules and the insurer.

Correctly differentiating between these codes can help your business avoid misclassification audits, keep premiums predictable, and ensure that your coverage matches each employee’s true risk level.

Why Proper Classification Is So Important

Workers’ compensation rates are based largely on the risk of injury associated with a job role. If your staff is misclassified, your business may be paying either too much or too little for coverage—and either situation can cause problems.

Overclassification can inflate your premiums unnecessarily, which hurts your operating budget. Underclassification, on the other hand, can lead to audit penalties, coverage gaps, or even denied claims if an injury occurs and the role was reported inaccurately. That’s why working with a brokerage that understands class codes is essential for any hospitality business.

At NPN Brokers, we often help businesses correct class code issues that were either set up incorrectly or have changed over time due to new services, staff restructuring, or business expansion. We’ll make sure your workers are in the right classes, so you’re compliant, protected, and not overpaying.

How NPN Brokers Helps Hospitality Businesses Get Workers’ Comp Coverage Fast

If you operate a hotel, motel, inn, or resort and need help with workers’ compensation, NPN Brokers makes the process simple and fast. Whether you’ve been denied coverage, experienced a claim in the past, or are expanding operations, we can help you find affordable insurance—even if other brokers can’t.

We only work with carriers that don’t require long contracts, upfront deposits, or drawn-out audits. That means:

• No contracts – You’re not locked into annual policies you can’t afford.
• No deposits – Get started without large upfront costs.
• No audits – Many of our carriers offer policies without annual audits.
• Pay-As-You-Go options – Only pay based on actual payroll numbers each pay period.

We can provide a workers’ comp quote in minutes, and in many cases, get you covered within 24 hours. Whether you’re unsure if Class Code 9052 applies to your team or need help cleaning up an existing policy, our team is ready to walk you through the process.

Request a Workers’ Comp Quote Today

The hospitality industry comes with its own set of challenges—don’t let workers’ comp insurance be one of them. Whether you operate a single-location hotel or manage multiple resort properties across different states, having the right class codes in place is critical for staying protected and compliant.

Call NPN Brokers today at (561) 990-3022 or fill out our online quote request form to receive a quote with no obligation. We’ll help you evaluate your staffing structure, identify the correct classifications, and get you matched with flexible coverage options that make sense for your business.