Workers' Comp Insurance for Cleaning / Janitorial Businesses in Alabama

Commercial janitorial services (NCCI 9014) and residential house cleaning (9170) face moderate rates driven primarily by lifting injuries, slip-and-falls, and chemical exposure. Window cleaning above ground level has its own (higher) code in Alabama. The Alabama workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.13 per $100 of payroll.

Alabama requirements for cleaning / janitorial businesses

When required: Required for employers with 5 or more regular employees (full or part-time).

Sole proprietors: Sole proprietors are exempt from carrying coverage on themselves but may elect coverage.

Owner / officer exclusion: Corporate officers may be excluded by election (Form WC-6).

Cleaning / Janitorial class codes used in Alabama

Why cleaning / janitorial workers' comp is tricky in Alabama

Cleaning services that include window washing above ground level, biohazard cleanup, or carpet/floor restoration all have separate higher-rated codes that should be properly split.

Tips for Alabama cleaning businesses

• ✓ Stay under 1 story for window cleaning to keep base rate
• ✓ Document MSDS and chemical training
• ✓ Split residential (9170) and commercial (9014) revenue if applicable

Cleaning / Janitorial workers' comp in other states

Rates and requirements for cleaning businesses vary widely by state. Compare Alabama to other major markets:

Other industries in Alabama

Alabama workers' comp rates and requirements for other common industries: