Class 9015
Code 9015 applies to owners, lessee, or real estate management firms that operate office, apartment, tenement, mercantile, or industrial buildings. It encompasses all superintendents, custodial operations, and maintenance operations conducted by an owner or lessee of a building except those performed by an employer occupying the entire or a major portion of the building for manufacturing, mercantile, or other commercial purposes.
Building operations employees such as property managers, leasing agents, model home hosts or outside sales personnel whose duties are limited to various office functions relating to the management of rental units, updating client information, preparing of bills, etc., and the showing of model or actual vacant units are, in accordance with MA Manual Rule IV-B-2, properly classified to the highest rated Standard Exception classification representing any part of their duties. It should be noted that regardless of job title, employees whose duties include the inspection of grounds and buildings, and overseeing of maintenance work, etc., are classified to Code 9015.
Camp operations included in Code 9015 provide overnight accommodations and offer a wide range of activities such as swimming, boating, archery, fishing, hiking, and arts and crafts; sports such as tennis and softball; and other traditional camping activities. These camps may employ counselors, cooks, grounds and maintenance personnel, nurses, housekeepers, guards, and lifeguards. Due to the varied nature of activities that take place in these camps, no one classification describes their operations. As such, these camps are assigned to the not otherwise classified (NOC) classification, Code 9015.
The following operations are additionally contemplated by Code 9015: bank and trust company employees engaged in care, custody, or maintenance; night watchguards; elevator operators and starters; Boy and Girl Scout councils’ overnight camp operations; building maintenance and repair by real estate managing agents; condominiums or cooperatives; recreational vehicle campgrounds or parks; swimming pools, public; and trailer parks or trailer camps.
Clerical and sales operations related to bathhouses, camp operations (including recreational vehicle campgrounds), and public swimming pools are, in accordance with MA Manual Rule IV-B-2, properly classified to Standard Exception classifications, Code 8810 or Code 8742, respectively.
Code 9015 applies to real estate management companies and real estate investment trusts.
Code 9015 is applicable to camps operated by schools, child day care centers and YMCAs provided the camps offer overnight sleeping accommodations. If no overnight sleeping accommodations are offered, assign the classifications that normally prevail in their operations, Codes 8868 and 9101 for child day care centers and schools, and Code 9063 for YMCAs. Child day care centers that have late or overnight operating hours are classified to Codes 8868 and 9101.
Renting self-storage or warehouse units in which the employer’s operation consists of building management or maintenance is classified to Code 9015. This includes self-storage parking of boats, motor homes, and other recreational vehicles. Employers that operate facilities of this nature are not in the warehousing business because they do not store goods for others; therefore, warehousing codes are not assigned to these employers.
“Flea market” or “swap meet” operations in which the owner of the premises rents space to vendors are included in Code 9015.
Code 9015 applies to building maintenance employees of employers whose principal business is classified to a Standard Exception classification such as Code 8810—Clerical.
Maintenance employees employed by mercantile, manufacturing or other commercial operations are assigned to the governing classification in accordance with the general inclusion rule in the MA Manual.
The ordinary maintenance and repair of a building operated on behalf of the owner by a real estate managing agent when performed by regular employees of the real estate managing agent must be assigned to Code 9015. Any such work performed by persons temporarily employed by the agent, extraordinary maintenance or repairs, and new construction or erection work, whether performed by regular or by temporary employees, must be assigned to the appropriate construction or erection classification.
Code 9015 is not intended for a contractor such as a painter, plumber, electrician, carpenter, or “handyperson.” These employers must be assigned to the appropriate construction classifications.
Buildings operated by public housing authorities are classified to Code 9033.
Golf courses, country clubs, and marina/boat slips operated by a condominium or other community association are to be separately classified to Code 9060, while the management of the residential building or community is assigned to Code 9015.
Risks engaged in the business of providing lifeguards, swimming instruction and diving instruction are assigned to Code 9015 or one of the following Admiralty classifications: Code 7395—Coverage II or 7394—Coverage I - Code 7398 – Coverage II. The MA Bureau does not make the determination as to whether or not Admiralty Law coverage is necessary for an insured.
Time-sharing dwellings are residential (vacation) properties shared by various individuals who usually occupy the dwelling at different times during a year. For example, “time-sharers” may agree that Group or Individual “A” will occupy the dwelling or a room or rooms in the dwelling for the month of June; Group or Individual “B” will occupy the dwelling for the month of July, etc. Individuals or groups that share in the dwelling facility may either own the entire property, own a portion of the property, or lease the entire or a portion of the property from others. Time-sharing operations are classified in the same manner as any other dwelling facility. If the property is best described as a hotel, then the appropriate hotel classification(s) are applied; if the property is best described as an apartment house, then the appropriate apartment house classification is applied.
Refer to Codes 8824 and 8826 for qualifying assisted living residences. Nursing homes operated in conjunction with a qualifying assisted living residence are assigned to Code 8829. In this context, “conjunction” means that the assisted living residence and the nursing home facility are at the same location and both facilities are owned and operated by a single insured entity.
Apartments or residential complexes known as continuing care retirement communities are to be classified in accordance with all applicable MA Manual Rules as follows: Code 9015 for residences with no services other than building maintenance and security; Code 8826 for residences that provide services such as meals, laundry, housekeeping, and transportation without personal care assistance; Code 8829 for nursing home accommodations; Code 8824 and Code 8826 shall apply to residences that provide personal care assistance with activities of daily living and/or medication administration in addition to providing services such as meals, laundry, housekeeping and transportation.
Refer to Codes 8833 and 9040 for institutions categorized by the Commonwealth of Massachusetts Department of Public Health as Rest Homes, and Code 8829 for institutions categorized by the Commonwealth of Massachusetts Department of Public Health as Convalescent or Nursing Homes.
Class 9015
The ordinary maintenance and repair of a building operated on behalf of the owner by a real estate managing agent, when performed by regular employees of the re- al estate managing agent, shall be assigned to Code 9015 Building - NOC – Operation by Owner or Lessee. Any such work performed by persons temporarily employed by the agent for specific jobs of this character, and all extraordinary maintenance or repairs, new construction or erection work, whether performed by regular or by temporary employees, shall be assigned to the appropriate construction or erection classification.
Not applicable to an owner or lessee of a building who occupies the entire or major portion of the premises for mfg. or mercantile purposes. Maintenance or repair work at any location where such owner or lessee does not also perform janitorial services, operation or maintenance of amusement devices to be separately rated.
Applies to care, custody, and maintenance of premises or facilities.