Workers' Comp Insurance for Cleaning / Janitorial Businesses in Florida

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 Florida. The Florida workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.42 per $100 of payroll.

Florida requirements for cleaning / janitorial businesses

When required: Required for non-construction employers with 4+ employees, construction with 1+, agricultural with 6+ regular or 12+ seasonal employees.

Sole proprietors: Sole proprietors in construction are NOT exempt — must have coverage. Non-construction sole props may be exempt..

Owner / officer exclusion: Construction owners can apply for exemption (max 3 per corp); non-construction can exempt up to 3 officers per corp.

Cleaning / Janitorial class codes used in Florida

Why cleaning / janitorial workers' comp is tricky in Florida

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 Florida 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 Florida to other major markets:

Other industries in Florida

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