Workers' Comp Insurance for Cleaning / Janitorial Businesses in Montana

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 Montana. The Montana workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.66 per $100 of payroll.

Montana 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: Officers and LLC members may be excluded.

Cleaning / Janitorial class codes used in Montana

Why cleaning / janitorial workers' comp is tricky in Montana

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 Montana 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 Montana to other major markets:

Other industries in Montana

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