Janitorial & Cleaning Services Workers' Comp
Clean Coverage for Cleaning Companies
Affordable workers' comp for janitorial services, commercial cleaning, building maintenance, and specialty cleaning operations.
Workers' Compensation for Janitorial & Cleaning Services
Workers' compensation insurance for janitorial and cleaning companies is a policy that covers medical expenses, lost wages, and disability benefits for cleaning employees injured on the job from chemical exposure, slips and falls, repetitive motion, and equipment accidents. Janitorial services workers' comp (class code 9014) typically costs $3-$7 per $100 of payroll, meaning a cleaning company with $200,000 in payroll might pay $6,000-$14,000 annually. Most commercial cleaning contracts require proof of workers' comp coverage before you can start work, making it both a legal requirement and a business necessity for winning contracts. With employee turnover common in the cleaning industry, maintaining proper coverage is essential for compliance. We help cleaning companies get covered quickly so they can bid on and win more commercial contracts.
Why Janitorial & Cleaning Services Need Workers' Comp
- ! Commercial clients and property managers require certificates of insurance
- ! Chemical exposure and respiratory risks from cleaning products
- ! Slippery surfaces and fall hazards are inherent to the work
- ! Required by law in virtually every state
- ! High employee turnover makes proper coverage management critical
Common Janitorial & Cleaning Services Claims
- ⚠ Slips and falls on wet floors being cleaned
- ⚠ Chemical burns and respiratory issues from cleaning agents
- ⚠ Back and muscle injuries from mopping, vacuuming, and lifting
- ⚠ Repetitive motion injuries from daily cleaning tasks
- ⚠ Injuries from equipment (floor buffers, pressure washers)
- ⚠ Falls from ladders during window and high-surface cleaning
Workers' Comp Class Codes for Janitorial & Cleaning Services
The correct class code determines your premium rate. We'll assign the right code for your state and operations.
| Code | Description | Notes |
|---|---|---|
| 9014 | Janitorial Services by Contractors | — |
| 9015 | Buildings NOC — Operation by Owner or Lessee & Drivers | — |
| 5610 | Cleaners — Debris Removal | — |
What Affects Your Janitorial & Cleaning Services Workers' Comp Cost?
Total annual payroll including part-time employees
Type of cleaning — standard janitorial vs. specialty (hazmat, construction cleanup)
Number of locations and whether employees drive between sites
Claims history and safety training
Employee turnover rate
Frequently Asked Questions
How much does workers' comp cost for a janitorial company? +
Janitorial services (code 9014) typically run $3-$7 per $100 of payroll. A cleaning company with $200,000 in payroll might pay $6,000-$14,000 annually. Rates vary by state and claims history. We find you the most competitive rate.
Do I need workers' comp for part-time cleaning staff? +
Yes. Part-time employees must be covered by workers' comp in most states. Premiums are based on actual payroll, so part-time employees with lower pay contribute less to your premium cost.
What if my employee is injured at a client's property? +
Your workers' comp policy covers your employees regardless of where the injury occurs — at your office, at a client's building, or in transit between sites. The coverage follows the employee, not the location.
Will getting workers' comp help me win more contracts? +
Absolutely. Most commercial property managers, office buildings, and large clients require proof of workers' comp and general liability before awarding cleaning contracts. Having coverage in place makes you bid-ready.
Janitorial & Cleaning Services Workers' Comp — Available in 23 States
We're licensed to provide workers' compensation quotes in the following states:
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