Cleaning Business Insurance
Workers' Compensation
We've developed the best insurance programs for cleaning companies.
Get Better QuotesPrefer to speak with A Workers' Compensation Specialist?
Give us a call today at 888-611-7467
Workers' Comp Coverage for Cleaning Businesses
Workers' comp for janitorial services can be hard to find and expensive in many states. Fears related to COVID-19 claims have caused many insurance companies to retract or tighten their underwriting requirements. A lot of cleaning companies may end up paying higher workers' comp rates in their State Insurance Fund. Many of our insurance partners are still pricing coverage aggressively due to our success within your industry.
We've been helping cleaning companies find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed cleaning programs designed to help you get the best rates and most flexible payment options.
We partner with the best carriers writing commercial and residential cleaning coverage.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top CleaningInsurance Companies
Markel is a national carrier offering exceptional workers' comp and GL coverage in most states throughout the United States.
Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for cleaning service companies.
The Hartford is a national insurance carrier with exceptional rates on residential and commercial cleaning businesses.
Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for all lines of coverage.
Employers offers excellent rates as well as loss control resources for most cleaning company workers' comp codes.
Chubb quotes all lines of business and has terrific rates for residential and commercial cleaning companies.
State Auto has excellent rates and commercial package programs for house cleaners and commercial janitorial.
Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of janitorial businesses.
AmTrust Financial provides exceptional value for many business types within the janitorial classes of business.
Shop coverage like a Pro.
Workers' Compensation for Cleaning Business
Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.
Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.
Class Code 9014 | Janitorial Services by Contractor
This class is applicable to businesses that provide janitorial services to others on a contract basis. This includes commercial cleaning and janitorial services. Services often include dusting, mopping, vacuuming, waxing, polishing floors, trash removal, sanitizing, and general cleaning duties. Minor maintenance may also be included when performed in conjunction with cleaning services including light bulb replacement and cleaning carpets.
Although their is a residential cleaning class code, cleaning companies that send crews to prepare residential properties for new tenants should also be included under code 9014.
Class Code 0917 | Residential Cleaning Service
Residential cleaning services is applicable to businesses that provide residential cleaning services inside of a customer's residence. Cleaning services should be internal in nature and may include tasks such as dusting, mopping, vacuuming, and sanitizing. Typical workers would include house cleaners, cooks, laundry workers, maids, butlers, and nannies. This class code also includes pet-sitters providing services at teh customers' homes.
Class Code 9170 | Janitorial Window Cleaning- Above Ground
This classification is used when a business does window cleaning above ground level. This class is similar in most aspects to class code 9014, however, it specifically includes the inside and outside cleaning of windows above ground. Payroll may be separated from class code 9014 as long as it is clearly documented. Otherwise all payroll will be rated under class code 9170.
Alternative State Class Codes for Cleaning Businesses:
Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.
| Class Code | State |
|---|---|
| 9008 | Janitorial Services | California |
| 9096 | Residential Cleaning | California |
| 9015 | Janitorial Services | Michigan |
| 971 | Commercial Cleaners | Delaware / Pennsylvania |
| 882 | Residential Cleaners | Delaware / Pennsylvania |
| 9030 | Janitorial Service by Contractor | New York |
| 9014 | Residential and Commercial Cleaning | Texas |
Synonyms: residential cleaning, housekeeping, maid service, house cleaners, cleaning company, janitorial service, floor waxing, window washing, mobile pressure washing, chimney cleaning, furnace cleaning, pest control, termite control, property preservation.
Workers Compensation Shop.com is a national Agency, licensed throughout the United States.
Get the Best Cleaning Business Insurance Coverage
A lot of small cleaning businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing cleaning insurance since 2005.
| Program Features |
|---|
| No Minimum Premium Requirements |
| Pay As You Go Work Comp - $0 Deposit |
| Guaranteed Cost and Deductible Options |
| National Cleaning Insurance Expertise |
| More Markets for More Solutions We shop renewals too |
| Commercial Package Insurance Options |
Lower Your Cleaning Business Insurance Cost
The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for cleaning services:
Workers' Compensation and Employers Liability
Cleaning Liability Insurance
Janitorial Bonds
Commercial and Personal Property
Umbrella Liability and more
Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.
Start a quote online or give one of our specialists a call at 888-611-7467.
How Much Does Cleaning Insurance Cost?
The average rate our customers pay for workers' compensation under the janitorial class code is around $2.50 per $100 of payroll. The average cost for a general liability insurance policy is about $575.00.
Workers' Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type of janitorial work can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates are also based on payroll (rated per $1000)
- Gross revenue may affect pricing
- The type of services matters to underwriters
- Prior clams and years in business affect pricing
- SIC code 7349- Cleaning
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Ready to Start Your Quote?
Don't settle for cookie-cutter rates
- Secure
- Fast
- Easy
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F
California DBA: I-Shop Online Insurance Agency.
