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Workers' Comp Insurance for Cleaning / Janitorial Businesses in Washington

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 Washington. The Washington workers' compensation market is governed by L&I (state fund) — a monopolistic state fund (no private market), and the average rate statewide is approximately $1.16 per $100 of payroll.

Avg Cleaning / Janitorial rate in WA
$6.42
per $100 payroll
$100K payroll → annual
$6,415
estimated annual premium
Washington bureau
L&I
Monopolistic

Washington requirements for cleaning / janitorial businesses

When required: All employers must obtain coverage through Washington Department of Labor & Industries (L&I) — monopolistic state.

Sole proprietors: Sole proprietors are exempt unless they elect to enroll with L&I.

Owner / officer exclusion: Officers and LLC members may be excluded.

⚠️ Washington is a monopolistic state

All Washington workers' comp coverage must be purchased through the state fund (L&I (state fund)). Private workers' comp insurance is not available in Washington, but we can help with employer's liability ("stop-gap") coverage that complements the state fund.

Cleaning / Janitorial class codes used in Washington

9014 Janitorial Services by Contractors — No Window Cleaning Above Ground Level & Drivers
$3.69-$10.02
WA typical rate
9170 Janitorial Services — Residential
$3.69-$9.49
WA typical rate
9015 Building Operation NOC — All Other Employees
$3.16-$8.44
WA typical rate

Why cleaning / janitorial workers' comp is tricky in Washington

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 Washington 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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Cleaning / Janitorial workers' comp in other states

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

Cleaning / Janitorial in California $1.45 Cleaning / Janitorial in Texas $1.04 Cleaning / Janitorial in Florida $1.42 Cleaning / Janitorial in New York $1.41 Cleaning / Janitorial in Pennsylvania $1.27 Cleaning / Janitorial in Illinois $1.66 Cleaning / Janitorial in Ohio $0.74 Cleaning / Janitorial in Georgia $1.06

Other industries in Washington

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

Construction in WA 9 class codes Roofing in WA 1 class code Plumbing in WA 3 class codes Electrical in WA 3 class codes HVAC in WA 2 class codes Painting in WA 3 class codes Landscaping in WA 3 class codes Restaurants in WA 4 class codes

More Washington workers' comp resources