What code 9015 covers
Typical duties
- Make-ready work on vacant units and suites: patching, painting touch-ups, fixture swaps
- Responding to work orders for plumbing, appliance and HVAC filter issues
- Running and maintaining building systems, pumps and pool equipment
- Porter and custodial work in common areas, garages and trash rooms
- Changing light fixtures and doing small repairs from ladders
- Moving furniture and materials within the property
Operations included
- Maintenance and engineering staff employed by the owner or management company
- Porters, custodians and day porters on the owner’s payroll
- Pool, amenity and garage attendants at the property
- Doormen and concierge staff who perform building duties
What code 9015 does not cover
- Property managers, leasing agents and on-site office staff: 9012
- Janitorial or maintenance contractors serving other people’s buildings: 9014
- Contract security guard companies: 7720
- Separated corporate office staff: 8810
- Landscaping done by an outside contractor: 0042 on the contractor’s policy
Code 9015 rate and cost context
The 2026 rate for 9015 is $2.567 per $100 of payroll, about four times the 9012 rate. That gap is why getting each employee into the right one of the two building codes matters more than almost anything else on a property policy.
Ladder falls, lifting injuries and slip-and-falls account for most 9015 losses. The code has come down every year since 2022.
| Year | Rate per $100 |
|---|---|
| 2022 | $3.64 |
| 2023 | $3.30 |
| 2024 | $2.74 |
| 2025 | $2.68 |
| 2026 | $2.567 |
If you are placed in the FWCJUA
Florida’s residual market charges the voluntary rate plus a surcharge on the voluntary premium: 93% in Tier 1 and 183% in Tiers 2 and 3 for 2026. On this code that works out to about $4.95 (Tier 1) or $7.26 (Tiers 2–3) per $100 of payroll before any experience mod.
Example: estimating code 9015 premium
Picture a property company with six maintenance techs and porters across its buildings, $260,000 of annual payroll in code 9015.
| Annual payroll in this code | $260,000 |
| Voluntary-market premium (rate × payroll ÷ 100) | $6,674 |
| FWCJUA Tier 1 (with 93% surcharge) | $12,881 |
| FWCJUA Tiers 2–3 (with 183% surcharge) | $18,888 |
Example only. Assumes no experience modification, schedule credits, expense constant or taxes. Minimum premium applies if the result is lower ($417 / FWCJUA $2,470).
Misclassification pitfalls for code 9015
Leasing staff reported in 9015
A leasing agent who stays in the office and shows units belongs in 9012. Leaving them in 9015 overpays premium at audit.
Maintenance techs reported in 9012
The opposite mistake is more costly. A “community manager” who also turns units and fixes leaks is exposed to 9015 hazards; time records are the only way to support a split.
Contract janitors written as building employees
A janitorial company that cleans many owners’ buildings is a contractor in 9014, not a building owner in 9015.
Major renovation by in-house staff
Construction or remodeling beyond routine maintenance can fall under construction codes. Large in-house projects should be discussed with your carrier before work starts.
Codes that sit next to 9015
- Code 9012: for property managers, leasing agents and on-site administrative staff of the owner.
- Code 9014: for janitorial and maintenance contractors serving other owners’ buildings (2026 rate $2.453).
- Code 7720: for contract security guard companies.
- Code 8810: for corporate office staff physically separated from the properties.
- Code 0042: for landscaping contractors.
Payroll and audit notes for code 9015
Payroll includes wages, on-call pay and bonuses. The rental value of a free or reduced-rent apartment provided to a maintenance employee is remuneration and is usually counted as payroll.
For employees who split time between the leasing office and maintenance, keep a daily log. Without one, the auditor can place the whole wage in 9015.
Keep the staffing chart for each property. It helps the auditor see which roles are hands-on and which are administrative.
Who usually reports code 9015
- Commercial office building owners
- Condominium associations with their own staff
- Apartment management companies
- Shopping center and mixed-use property managers
- Self-storage and industrial park operators
Code 9015 questions
What is class code 9015?
It is the building operation classification for owners, lessees and real estate management firms, covering maintenance, custodial and other hands-on property employees.
What is the difference between 9012 and 9015?
9012 covers property managers, leasing and office staff of the building owner. 9015 covers the maintenance, porter and custodial staff. In Florida the 2026 rates are $0.605 and $2.567 per $100 of payroll.
What is the 2026 Florida rate for code 9015?
The OIR-approved NCCI rate is $2.567 per $100 of payroll, effective January 1, 2026. FWCJUA policies add a 93% or 183% surcharge.
Does a condo association need workers comp for maintenance staff?
An association that employs four or more people is required to carry coverage in Florida, and its maintenance staff are typically 9015.
Sources
- NCCI: Summary of the Florida Workers Compensation Rate Filing Recommendation Effective January 1, 2026
- Florida Office of Insurance Regulation: Commissioner approves 6.9% workers’ compensation rate decrease effective January 1, 2026 (Nov. 17, 2025)
- Florida Workers’ Compensation Joint Underwriting Association (FWCJUA): Rates (2022–2026 rate tables and minimum premiums)
- FWCJUA: Bulletins (Bulletin 25-9: 2026 Tier 1, 2 and 3 surcharges)
- NCCI: Summary of the Florida Workers Compensation Rate Filing Recommendation Effective January 1, 2027 (filed Aug. 21, 2026)
- Florida Division of Workers’ Compensation: Coverage requirements for employers
- Florida Statutes: Section 440.02 — Definitions (employee, employer, construction industry)
Facts checked October 12, 2026.