Cleaning Business Insurance
Workers' Compensation

Workers' Compensation for Cleaning Business

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 9014 | Janitorial Services by Contractor

This class is applicable to businesses that provide janitorial services to others on a contract basis. This includes commercial cleaning and janitorial services. Services often include dusting, mopping, vacuuming, waxing, polishing floors, trash removal, sanitizing, and general cleaning duties. Minor maintenance may also be included when performed in conjunction with cleaning services including light bulb replacement and cleaning carpets.

Although their is a residential cleaning class code, cleaning companies that send crews to prepare residential properties for new tenants should also be included under code 9014.

Class Code 0917 | Residential Cleaning Service

Residential cleaning services is applicable to businesses that provide residential cleaning services inside of a customer's residence. Cleaning services should be internal in nature and may include tasks such as dusting, mopping, vacuuming, and sanitizing. Typical workers would include house cleaners, cooks, laundry workers, maids, butlers, and nannies. This class code also includes pet-sitters providing services at teh customers' homes.

Class Code 9170 | Janitorial Window Cleaning- Above Ground

This classification is used when a business does window cleaning above ground level. This class is similar in most aspects to class code 9014, however, it specifically includes the inside and outside cleaning of windows above ground. Payroll may be separated from class code 9014 as long as it is clearly documented. Otherwise all payroll will be rated under class code 9170.

Synonyms: residential cleaning, housekeeping, maid service, house cleaners, cleaning company, janitorial service, floor waxing, window washing, mobile pressure washing, chimney cleaning, furnace cleaning, pest control, termite control, property preservation.