Comply with state laws
Avoid fines
Protect your employees
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.
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.
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.
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.
**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
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.
Here’s how to save money:
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.
Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.
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.
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
For more detailed strategies, check out these tips on how cleaning businesses can save on their workers' compensation 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.
It can be. Be sure the right code, class code 9170, was used to describe exterior window cleaning.
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.
Choose your state from the dropdown to learn more.
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