Workers' Comp Insurance for Cleaning / Janitorial Businesses in Georgia

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 Georgia. The Georgia workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.06 per $100 of payroll.

Georgia requirements for cleaning / janitorial businesses

When required: Required for employers with 3 or more employees (regular, part-time, or seasonal).

Sole proprietors: Sole proprietors and partners are exempt.

Owner / officer exclusion: Up to 5 corporate officers may exempt themselves.

Cleaning / Janitorial class codes used in Georgia

Why cleaning / janitorial workers' comp is tricky in Georgia

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 Georgia 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 Georgia to other major markets:

Other industries in Georgia

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