Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Ouch! Accidents are inevitable. In the event of a hazardous situation, having an extra layer of protection is key. Florida law requires cleaning businesses with four or more employees to have workers’ comp insurance. It covers medical expenses and lost wages if an employee gets hurt, protecting both your workers and your business.
Cleaning and janitorial services in Florida with four or more employees are required by law to carry workers' compensation insurance.
Failure to provide proper coverage can result in severe penalties, including stop-work orders and fines. You may also be required to pay backdated premiums, potentially doubling what you would have paid if your workers were properly insured from the start.
Learn more about Florida Workers’ Compensation Rules here.
Workers' compensation insurance is just one type of coverage that cleaning businesses require. Other essential policies include business liability insurance, commercial property insurance, and business interruption insurance. Each type of insurance provides unique protections to help safeguard your business.
Learn more about the different types of insurance needed to keep your cleaning business protected.
Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.
If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.
Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.
For more details on cleaning class codes, visit this guide: Janitorial Services Workers’ Compensation Class Codes
0917 - Residential Cleaning Service
0917 - Janitorial Service (50% or more Residential)
9014 - Janitorial Services by Contractors - No Window Cleaning above Ground Level
9014 - Janitorial Service (less than 50% Residential)
9014 - Commercial Janitorial
9014 - Post Construction Cleaning - No Debris Removal
9014 - Vacation Rental Cleaning
9014 - Residential Swimming Pool Maintenance
9014 - Exterminator - No Pest Removal
9014 - Pet Waste Removal Service
9014 - Chimney Cleaning - From Ground Level
9014 - Power or Pressure Washing - From Ground Level
9170 - Janitorial Services by Contractors - Window Cleaning Above Ground Level
9403 - Junk Removal
5610 - Post Construction Cleaning with Debris Removal
Here’s how to save money:
Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.
Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.
Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!
Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.
For more detailed strategies, check out these tips on how cleaning businesses can save on their workers' compensation insurance.
No, your workers' comp policy for cleaning typically covers tasks like vacuuming and handling chemicals. Pipe fixing and maintenance would fall under plumbing, which would require a separate code.
The cleaning portion of your business would be classified under code 9014, which is for janitorial services. However, the laundry services would be classified separately under code 2585.
Yes, very light maintenance tasks, like tightening a faucet, are generally included under the cleaning workers' comp policy.
If the homes you clean are not occupied, they would be classified as 9014 - commercial, even though they are technically residential homes.
Yes! All employees, whether part-time or full-time, must be included in your workers' comp policy. For 1099 contractors, if they are uninsured, they also need to be included in your policy. However, if your 1099 contractors have their own insurance, they do not need to be covered under your policy.
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