Workers' Comp Insurance for Cleaning / Janitorial Businesses in North Dakota
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 North Dakota. The North Dakota workers' compensation market is governed by WSI (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $0.78 per $100 of payroll.
North Dakota requirements for cleaning / janitorial businesses
When required: All employers must obtain coverage from Workforce Safety & Insurance (WSI) — the state monopolistic fund.
Sole proprietors: Sole proprietors are exempt unless they elect.
Owner / officer exclusion: Officers and LLC members may be excluded.
⚠️ North Dakota is a monopolistic state
All North Dakota workers' comp coverage must be purchased through the state fund (WSI (state fund)). Private workers' comp insurance is not available in North Dakota, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.
Cleaning / Janitorial class codes used in North Dakota
Why cleaning / janitorial workers' comp is tricky in North Dakota
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 North Dakota 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
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Rates and requirements for cleaning businesses vary widely by state. Compare North Dakota to other major markets:
Other industries in North Dakota
North Dakota workers' comp rates and requirements for other common industries:
More North Dakota workers' comp resources
- → North Dakota workers' comp overview — full state requirements, exemptions, average rates
- → Cleaning / Janitorial workers' comp (all states) — industry deep-dive
- → Cost calculator — estimate annual premium by class code
- → EMR calculator — experience modification rating
- → COI generator — same-day certificate of insurance
- → Workers' comp audit disputes — recover overpaid premium
- → 1099 vs. employee classification — avoid back-premium penalties