A Simple Guide to Janitorial Workers' Compensation Insurance

November 9, 2022

Owning a commercial or residential cleaning service comes with a slew of responsibilities, some that can even be potentially hazardous to you and your employees. That’s why it’s so important to make decisions that protect the integrity of your business alongside the safety of your cleaners. 

Having workers’ compensation for janitorial services can offer that extra layer of protection you need to keep your employees safe and sound while they’re on the job. That can ultimately save you time, money and patience when navigating an accident.

Are you considering insurance for janitorial services, but you’re not sure where to get started? Follow our simple guide to janitorial workers' compensation insurance: 

Why do you need it? 

There’s no telling when an accident can happen on the job, especially when you’re dealing with cleaning chemicals, wet surfaces, and other potential hazards that come with working for a janitorial company. Some of the potential dangers that come with running and working a cleaning business include:

  • Sprains
  • Strained muscles
  • Chemical burns
  • Slipping or falling when washing floors 

When you have a workers’ comp protection plan in place, you can protect your employees, avoid potential fines and protect your company from lawsuits and reputable damage. 

What does it cover?

When someone working under you gets hurt on the job, you’re responsible for the damages. Investing in a janitorial workers' compensation insurance plan will help you cover financial obligations related to medical bills, outpatient care expenses, lost wages, and funeral costs.  

What are Janitorial Workers’ Comp Class Codes? 

If you’re wondering how much it’ll cost to invest in workers' compensation for janitorial services, the answer isn’t really concrete. The National Council on Compensation Insurance (NCCI) created workers’ comp codes for insurance providers to decide the rate of a specific policy based on the risk involved with that specific job. Carriers apply a specific and very calculated rate to each class code and that is the rate that will be used to calculate your premium. 

For example, the following workers' comp codes are related to janitorial services and would have different rates attached to their policy: Similar types of janitorial work are grouped together under the same code. 

0917 workers’ comp code:

  • Residential cleaning services
  • Janitorial services (for more than 50% residential)

9014 workers' comp code:

  • Janitorial services by contractors (without window cleaning)
  • Janitorial services (for less than 50% residential space)
  • Commercial janitorial services
  • Post construction cleaning (without debris removal)
  • Vacation rental cleaning
  • Residential swimming pool maintenance
  • Exterminator (without pest removal)
  • Pet waste removal services
  • Chimney cleaning 
  • Pressure washing

5610 workers' comp code:   

  • Post construction cleaning (with debris removal)

9170 workers' comp code:

  • Janitorial services by contractors (with window cleaning)

9403 workers' comp code:

  • Garbage, Ashes or Refuse Collection and Transportation

How to find the right Workers’ Comp coverage for cleaning businesses

If you’re a new business owner and you’re ready to invest in a cleaning services workers’ compensation plan, don’t waste your time with other insurance carriers - Kickstand Insurance is a full service agency that is ready to help you get the best policy for your business.

We provide workers' comp insurance for janitorial services that can cover everything from debris removal and chimney cleaning from the ground level, to pressure washing and post construction cleaning.

The best part? We offer instant quotes so you can get started right now and protect your employees as soon as possible. Contact us for more information, or get your instant quote today.

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