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
Florida Workers Comp Law for Cleaning Companies — Florida Statute 440.02 Requires Coverage for 4+ Employees
Florida Workers Comp Law for Cleaning Companies — Florida Statute 440.02 Requires Coverage for 4+ Employees
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.
PEO Workers Comp vs Traditional Policy — What Florida Cleaning Business Owners Need to Know
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
Common questions about workers comp for Florida janitorial services, commercial cleaners, and maid services
Common questions about workers comp for Florida janitorial services, commercial cleaners, and maid services
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. The 2026 FWCJUA rate for janitorial services (code 9014) is $1.897 per $100 of payroll.
What is the 2026 workers comp rate for cleaning companies in Florida?
The FWCJUA 2026 rate for class code 9014 (Janitorial/Cleaning Services NOC) is $1.897 per $100 of payroll, effective January 1, 2026. This is one of the lower rates in the service sector. For a cleaning company with $200,000 in annual payroll, the base manual premium is approximately $3,794. Window cleaning (code 9521) is rated higher at $3.412 per $100 due to the fall risk.
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 — even those that have been declined by multiple carriers.
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 at the 2026 FWCJUA rate of $1.897 per $100 for code 9014. 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 period.
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. Additional insureds are added at no charge.
What is the workers comp rate for window cleaning in Florida?
Window cleaning is classified under code 9521 in Florida, with a 2026 FWCJUA rate of $3.412 per $100 of payroll — higher than standard janitorial (9014) due to the fall risk from exterior window work. For a window cleaning company with $200,000 in annual payroll, the base manual premium is approximately $6,824.
Do cleaning companies need workers comp for part-time workers?
Yes. Florida workers' compensation applies to all employees regardless of whether they work full-time, part-time, or on a per-job basis. Our pay-as-you-go model is ideal for cleaning companies with part-time workers — you only pay based on actual hours worked each period.
Florida Cleaning Workers' Comp Rates (2026 FWCJUA)
NCCI Class Code Rates for Florida Cleaning Workers Comp — 2026 FWCJUA Schedule
Rates effective January 1, 2026. PEO group rates through Comp Ninjas are typically 20–40% below these manual rates.
| Class Code | Operation Type | Rate per $100 | $100K Payroll | $200K Payroll |
|---|---|---|---|---|
| 9014 | Janitorial / Cleaning Services NOC | $1.897 | $1,897 | $3,794 |
| 9015 | Building Cleaning — Commercial | $1.897 | $1,897 | $3,794 |
| 9016 | Carpet Cleaning | $1.897 | $1,897 | $3,794 |
| 9521 | Window Cleaning (Exterior) | $3.412 | $3,412 | $6,824 |
| 8810 | Office / Administrative Staff | $0.105 | $105 | $210 |
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