Workers' Comp Insurance for Cleaning / Janitorial Businesses in South 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 South Dakota. The South Dakota workers' compensation market is governed by NCCI, and the average rate statewide is approximately $0.97 per $100 of payroll.

South Dakota requirements for cleaning / janitorial businesses

When required: Coverage is technically optional, but employers without it face unlimited liability for workplace injuries.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may be excluded.

Cleaning / Janitorial class codes used in South Dakota

Why cleaning / janitorial workers' comp is tricky in South 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 South 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

Cleaning / Janitorial workers' comp in other states

Rates and requirements for cleaning businesses vary widely by state. Compare South Dakota to other major markets:

Other industries in South Dakota

South Dakota workers' comp rates and requirements for other common industries: