Workers' Comp Insurance for Cleaning / Janitorial Businesses in Kentucky

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

Kentucky requirements for cleaning / janitorial businesses

When required: Required for any employer with at least one employee.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Up to 3 officers may exempt; LLC members can exempt.

Cleaning / Janitorial class codes used in Kentucky

Why cleaning / janitorial workers' comp is tricky in Kentucky

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 Kentucky 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 Kentucky to other major markets:

Other industries in Kentucky

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