Workers' Comp Insurance for Cleaning / Janitorial Businesses in Texas

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 Texas. The Texas workers' compensation market is governed by TDI, and the average rate statewide is approximately $1.04 per $100 of payroll.

Texas requirements for cleaning / janitorial businesses

When required: OPTIONAL — Texas is the only state where private employers are NOT required to carry workers' comp.

Sole proprietors: Optional for sole proprietors.

Owner / officer exclusion: Officers may be excluded if employer chooses to carry coverage.

Cleaning / Janitorial class codes used in Texas

Why cleaning / janitorial workers' comp is tricky in Texas

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 Texas 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 Texas to other major markets:

Other industries in Texas

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