Workers' Comp Insurance for Cleaning / Janitorial Businesses in Colorado

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 Colorado. The Colorado workers' compensation market is governed by NCCI, and the average rate statewide is approximately $0.92 per $100 of payroll.

Colorado requirements for cleaning / janitorial businesses

When required: Required for any employer with one or more employees, full or part-time.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Corporate officers may reject coverage by filing rejection of coverage form.

Cleaning / Janitorial class codes used in Colorado

Why cleaning / janitorial workers' comp is tricky in Colorado

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 Colorado 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 Colorado to other major markets:

Other industries in Colorado

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