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Workers' Compensation Insurance for Cleaning Business and Janitorial

Policies for commercial and residential cleaning services

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Why do Cleaning Businesses need
Workers' Compensation Insurance?

Comply with state laws

Comply with state laws

Avoid fines

Avoid fines

Protect your employees

Protect your employees

Protection from lawsuits

Protection from lawsuits

...'cause they can get hurt

Ouch! Accidents are inevitable. In the event of a hazardous situation, having an extra layer of protection is key. Janitorial workers’ compensation insurance can cover medical expenses and lost wages during recovery if someone gets hurt on the job.

  Common cleaning injuries

  • Sprains and strains: Common among janitorial workers from lifting and moving heavy objects.
  • Back injuries: Often caused by improper lifting techniques or repetitive tasks.
  • Chemical burns: From cleaning agents, as well as electrical or heat burns from equipment.
  • Head injuries and fractures: Slips and falls on wet floors can lead to concussions and broken bones.
  • Bruises and cuts: Working in tight spaces can result in frequent bumps and lacerations. 
  • Respiratory illnesses: Inhalation of aerosol products can cause lung or esophageal issues.

Common types of Janitorial workers we can insure

Carpet Cleaners Insurance

Carpet Cleaners

Exterminator Insurance


Office Cleaners Insurance

Office Cleaners

Post Construction Cleaning Insurance

Post Construction Cleaning

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Don't see your business classification?
We're here to help. Call 866-338-8823.

What other types of insurance do cleaning businesses need?

Workers' compensation insurance is just one type of coverage that cleaning businesses require. Other essential policies include business liability insurance, commercial property insurance, and business interruption insurance. Each type of insurance provides unique protections to help safeguard your business. Learn more about the different types of insurance needed to keep your cleaning business protected.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Janitorial Workers' Comp Insurance pay for?

  • Medical bills
  • Rehab and therapy expenses
  • Lost wages and disability benefits
  • Funeral cost
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How much does Workers' Comp Insurance
for Cleaning Businesses cost?

Workers' compensation insurance for cleaning businesses start at $67 monthly per employee for standard commercial cleaners.   

For more detailed information on how much workers' compensation insurance will cost for your cleaning business, read Workers’ Comp Rates for Janitorial Services 2024.

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What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Cleaning and Janitorial

**Most states follow these NCCI codes. For more details on class codes, or to see if your state is one of the few that uses different codes, visit this detailed guide: Janitorial Services Workers’ Compensation Class Codes

0917 - Residential Cleaning Service

0917 - Janitorial Service (50% or more Residential)

9014 - Janitorial Services by Contractors - No Window Cleaning above Ground Level

9014 - Janitorial Service (less than 50% Residential)

9014 - Commercial Janitorial

9014 - Post Construction Cleaning - No Debris Removal

9014 - Vacation Rental Cleaning

9014 - Residential Swimming Pool Maintenance

9014 - Exterminator - No Pest Removal

9014 - Pet Waste Removal Service

9014 - Chimney Cleaning - From Ground Level

9014 - Power or Pressure Washing - From Ground Level

9170 - Janitorial Services by Contractors - Window Cleaning Above Ground Level

9403 - Junk Removal

5610 - Post Construction Cleaning with Debris Removal

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Don't see your business classification?
We're here to help. Call 866-338-8823.

Get Workers’ Compensation for Cleaning Businesses today!

Searching for workers’ compensation insurance for janitorial services? Kickstand Insurance provides policies for commercial and residential cleaning services so you can have peace of mind while your employees are on the job.

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Helpful tips to save money

Choosing janitorial insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

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Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

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Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

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Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. 

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Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

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Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Janitorial Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Janitorial Workers’ Compensation Audit Checklist can help.

For more detailed strategies, check out these tips on how cleaning businesses can save on their workers' compensation insurance.

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FAQ's on Workers' Comp for Cleaning Businesses

How quickly can I get my certificate of insurance?

We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

‍While cleaning offices, typically class code 9014, we will sometimes clean the exterior windows using a ladder. Is this kind of work covered by my workers comp policy?

It can be. Be sure the right code, class code 9170, was used to describe exterior window cleaning.

We offer maid and home cleaning services in addition to some commercial janitorial cleaning. How should my business be classified?

If you do both residential cleaning (class code 0917) and commercial janitorial cleaning (class code 9014), the majority of your work will determine the main class code.

The other class code can be listed as "IF ANY" with no payroll under it to better protect your business.

State laws on Workers' Comp for Cleaning Businesses

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.

Choose your state from the dropdown to learn more.

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*Don't see your state? Have no fear!
Kickstand does business nationwide.
Our web team hasn't gotten to the other state pages yet.
Reach out and we'll help you. Call 866-338-8823.
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Need other types of insurance for Cleaning Businesses?

Yes, we can help with that too!

Learn more about Janitorial Insurance

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

  • Avoid surprise bills at audit
  • Make sure all your employees are properly covered
  • Protect yourself from lawsuits

What do we check?

  • Business categorized correctly
  • Employees job roles
  • Special discount opportunities
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Get Workers’ Compensation for Janitorial Services today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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