Cleaning Business Insurance
Workers' Compensation


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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.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top CleaningInsurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier offering exceptional workers' comp and GL coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for cleaning service companies.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on residential and commercial cleaning businesses.

The Hartford

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for all lines of coverage.

Travelers Insurance

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as loss control resources for most cleaning company workers' comp codes.

Employers Insurance

Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.

Chubb

Chubb quotes all lines of business and has terrific rates for residential and commercial cleaning companies.

Chubb Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has excellent rates and commercial package programs for house cleaners and commercial janitorial.

State Auto Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of janitorial businesses.

Great American Insurance Group

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the janitorial classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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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 licensed in all 50 states. We are proud to offer national multi-state coverage.

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.


Get Started Now

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
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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