Workers' Comp for Cleaning Companies in Florida
Cleaning companies are frequently declined by standard carriers due to high claim frequency. Our PEO program accepts all cleaning operations — same-day COI, no audit, no deposit.
Get My Cleaning Company QuoteWhy Cleaning Companies Have High Workers Comp Claims
Slip & Fall on Wet Floors
Cleaning crews create wet surfaces while working — and are also the most likely to slip on them. This is the #1 claim type for janitorial workers.
Chemical Exposure
Cleaning agents, disinfectants, and solvents cause skin burns, respiratory issues, and eye injuries that trigger workers comp claims.
Repetitive Motion Injuries
Mopping, scrubbing, vacuuming, and wiping cause shoulder, wrist, and back injuries that develop over months of repetitive work.
Lifting & Carrying
Moving heavy equipment, supply buckets, and commercial vacuums causes back strains — one of the most expensive injury categories.
Ladder & Height Falls
Window washing, ceiling cleaning, and high-reach tasks expose workers to fall risks that result in serious injuries.
Needle Sticks & Biohazards
Medical office and hospital cleaning crews face exposure to sharps and biohazardous materials requiring specialized coverage.
Declined Before? We Specialize in That.
Standard carriers routinely decline cleaning companies with prior claims or high experience modification rates. Our PEO carrier relationships allow us to cover operations that others won't touch.
- Approved regardless of prior claims history
- No experience modification factor required
- Pay-as-you-go — no large deposit
- No year-end audit
- Same-day Certificate of Insurance
- Coverage for employees and qualifying 1099 workers
Pay-As-You-Go
Premium tied to actual payroll each cycle
No Audit
Zero year-end audit surprises
Same-Day COI
Certificate issued within hours
Hard-to-Place
We cover what others decline
Cleaning Operations We Cover
Cleaning Company Workers Comp FAQ
Does Florida require workers comp for cleaning companies?
Florida requires workers' comp for non-construction employers with 4+ employees. However, cleaning companies with even 1–3 employees should carry coverage — clients and commercial contracts almost always require it, and a single slip-and-fall claim can be devastating without it.
Why do cleaning companies get declined for workers comp?
Many standard carriers view cleaning companies as high-risk due to frequent slip-and-fall claims and the use of chemical agents. Our PEO program accepts cleaning companies regardless of prior claims history or experience modification factor.
Can I get workers comp for a cleaning company with 1099 contractors?
This is a common issue. If your 1099 workers don't have their own coverage, you may be liable for their injuries. Our PEO structure can cover your entire workforce — employees and qualifying contractors — under one policy.
How does pay-as-you-go workers comp work for cleaning companies?
Your premium is calculated each payroll cycle based on actual wages paid. No large deposit, no annual audit. This is ideal for cleaning companies with variable staffing — you only pay for the workers you actually have each week.
How fast can I get a COI for a cleaning contract?
Same day in most cases. Many commercial cleaning contracts require proof of workers comp before you can start work. We can issue your Certificate of Insurance within hours of approval so you never lose a contract due to missing paperwork.
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