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Workers' Compensation Insurance for Janitorial Services

Policies for commercial and residential cleaning services

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Why do Janitors 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
  • Strained and pulled back muscles
  • Chemical burns
  • Falling on wet surfaces
  • Slipping while washing or polishing floors

Common types of workers we can insure

Carpet Cleaners Insurance

Carpet Cleaners

Exterminator Insurance

Exterminator

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 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 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 Janitors cost?

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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 Janitorial Services

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 Janitors 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 correctly
For 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!

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FAQ's on Workers' Comp for Janitors

How quickly can I get my certificate of insurance?

Certificates are usually issued 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 was used to describe exterior window cleaning, class code 9170.

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

The best class code for a business like yours is Residential Cleaning class code 0917.

State laws on Workers' Comp for Janitors

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 Janitors?

Yes, we can help with that too!

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

Get Workers’ Compensation for Janitorial Services today!

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