Commercial and residential cleaning, janitorial services, and building maintenance cleaning in California — subject to the California Cleaning Product Right to Know Act and OSHA's Hazard Communication Standard for cleaning chemical exposure.

Source: WCIRB pure premium rates. Actual carrier rates may vary significantly in California.
⚠️ Pre-Underwriting Estimate: This is a preliminary estimate only. Final premium can change based on underwriting results, loss history, OSHA records, and carrier approval. CA rates vary significantly by carrier.
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A janitor slips on a wet floor while mopping a commercial office building in downtown San Francisco — hip fracture, surgery, and rehabilitation in California can result in $200,000+ in workers comp costs. California's DWC rates hip fractures at 20–30% permanent disability for workers over 50, and the state's elevated medical costs for orthopedic surgery — San Francisco hospitals bill 2–3x the national average — significantly increase the total claim cost.
California janitorial companies face a challenging workers comp market: the $8.68/100 rate is among the highest for non-construction industries, and standard carriers frequently require large deposits or decline small janitorial operations with fewer than 10 employees. PEO group programs accept janitorial contractors from day one, with no minimum premium and pay-as-you-go billing that matches the variable staffing patterns of commercial cleaning contracts.
At $8.68/100, California janitorial rates are significantly elevated — roughly 40% above the national NCCI average for the same code. This reflects the high slip/fall frequency of commercial cleaning work, the chemical exposure risk from California's strict cleaning product regulations, and the state's elevated medical costs. The California Cleaning Product Right to Know Act (AB 1743) requires janitorial employers to provide detailed chemical hazard information to workers, and failure to comply can result in Cal/OSHA citations that increase workers comp claim costs.