Class Code 9154: Florida Cleaning Workers' Comp Rates
NCCI Class Code 9154 Janitorial Services — 2026 FWCJUA Rate $1.85 per $100 Payroll
| Company Size | Annual Payroll | Base Premium | Monthly (PEO) |
|---|---|---|---|
| 5 cleaners | $140,000 | $2,590 | $216 |
| 10 cleaners | $280,000 | $5,180 | $432 |
| 25 cleaners | $700,000 | $12,950 | $1,079 |
2026 FWCJUA rates. No deposit through PEO program.
Why PEO Works for Cleaning Companies
Variable Staffing Billing
Cleaning companies often have highly variable headcounts — 5 workers one week, 20 the next. PEO billing is based on actual payroll each period, so you never overpay for workers who aren't working.
Part-Time Worker Coverage
PEO programs cover part-time, seasonal, and irregular workers the same as full-time employees. No minimum hours or minimum payroll per worker.
High Turnover Accepted
Standard carriers penalize cleaning companies for high employee turnover. PEO programs accept high-turnover industries because billing adjusts automatically with each payroll run.
Same-Day COI
Commercial cleaning contracts require a current COI before work begins. PEO enrollment takes 24–48 hours and COI issuance is immediate.
Frequently Asked Questions
What NCCI class code applies to cleaning companies in Florida?
The primary class code for janitorial and commercial cleaning services in Florida is 9154 (Janitorial Services by Contractors), rated at approximately $1.85 per $100 of payroll under the 2026 FWCJUA filing. Window cleaning operations fall under 9156 at a higher rate ($3.20) due to the elevated fall risk. Residential cleaning (maid services) may be classified under 9015 (Building Cleaning — Inside). The correct code depends on the type of cleaning work performed.
How much does workers comp cost for a cleaning company in Florida?
Using the 2026 rate of $1.85/$100 payroll for code 9154, a cleaning company with 10 cleaners earning $28,000 each ($280,000 total payroll) would have a base premium of approximately $5,180 per year — or about $432 per month. Cleaning is a relatively low-cost workers' comp industry compared to construction trades, which makes it accessible for small cleaning businesses.
Why do cleaning companies get declined for workers comp?
Despite the relatively low rate, cleaning companies are frequently declined by standard carriers due to: (1) high employee turnover, which creates underwriting uncertainty; (2) large numbers of part-time and irregular workers; (3) operations in multiple locations that are difficult to audit; and (4) the prevalence of undocumented workers in the industry. PEO programs accept cleaning companies with high turnover and irregular staffing because billing is based on actual payroll each period.
Can I get workers comp for a cleaning company with part-time workers?
Yes. PEO workers' comp covers part-time workers the same as full-time workers. Premium is calculated on actual payroll each period — if a worker only works 10 hours in a week, you only pay premium on those 10 hours. This is ideal for cleaning companies with variable staffing, where some weeks may have 20 workers and others may have 5.
Do I need workers comp for cleaning subcontractors?
If your subcontractors do not have their own workers' comp coverage, you may be liable for injuries they sustain while performing work for you under Florida's statutory employer doctrine. You should always obtain certificates of insurance from all subcontractors. If a subcontractor cannot provide a COI, you should either require them to get coverage or add them to your own policy. Many commercial cleaning contracts require the cleaning company to ensure all workers — including subcontractors — are covered.
What are the most common cleaning company workers comp claims?
Common cleaning workers' comp claims include: (1) slip-and-fall injuries from wet floors; (2) chemical burns and respiratory injuries from cleaning products; (3) back and shoulder injuries from repetitive mopping, vacuuming, and lifting; (4) cuts from broken glass; and (5) falls from ladders when cleaning windows or high surfaces. Slip-and-fall injuries are the most frequent and often the most expensive due to knee and hip injuries.