Workers' Comp Insurance for Cleaning / Janitorial Businesses in Arizona

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 Arizona. The Arizona workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.17 per $100 of payroll.

Arizona requirements for cleaning / janitorial businesses

When required: Required for any employer with at least one employee, regardless of hours.

Sole proprietors: Sole proprietors are exempt and cannot purchase coverage on themselves.

Owner / officer exclusion: Corporate officers who own at least 25% may elect out.

Cleaning / Janitorial class codes used in Arizona

Why cleaning / janitorial workers' comp is tricky in Arizona

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 Arizona 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 Arizona to other major markets:

Other industries in Arizona

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