Workers' Comp for Cleaning Business in Michigan

Name: Workers' Compensation Insurance for Cleaning Businesses in Michigan
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for commercial, residential, and janitorial cleaning services

Get an Instant Quote



Why do Cleaning Businesses in Michigan need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Slush, salt, and ice get tracked into buildings all winter long, making Michigan a risky place for cleaning crews. When slips or lifting injuries happen, workers’ comp insurance helps cover medical costs and lost wages.

Common Cleaning Business injuries

Sprains and strains – Frequent lifting and moving equipment can cause injuries
Chemical burns – Direct contact with disinfectants may harm skin and eyes
Slips and falls – Slippery floors in kitchens and restrooms create hazards
Respiratory issues – Prolonged exposure to chemical fumes can impact lung health

Workers' Comp for Cleaning Businesses in Michigan: Legal Requirements

Do you have a cleaning business with one or more employees? If so, Michigan workers’ compensation requirements say you must carry worker’s comp insurance. Failure to comply can result in severe penalties, including fines and stop-work orders. Learn more about Michigan Workers’ Compensation Requirements here.

Common types of Cleaning Business workers we can insure in Michigan

Carpet Cleaners

Exterminator

Office Cleaners

Post Construction Cleaning

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Cleaning Business workers' comp policy, they do not need to pay anything towards the bills.

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.

What will Cleaning Business Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Cleaning Businesses in Michigan cost per month?

The estimated cost of workers’ comp insurance for cleaning businesses averages $75 per month for commercial employees and $84 for residential cleaners. However, factors like payroll, claims history, and service type impact actual pricing. For more information about janitorial workers' compensation costs, check out our detailed guide: Workers’ Comp Rates for Janitorial Services.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Michigan.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Michigan Cleaning Business

For more details on cleaning class codes, visit this guide: Janitorial Services Workers’ Compensation Class Codes

9015 - Janitorial Services by Contractors - No Window Cleaning above Ground Level

9015 - Janitorial Service - Residential and Commercial

9015 - Post Construction Cleaning - No Debris Removal

9015 - Vacation Rental Cleaning

9015 - Residential Swimming Pool Maintenance

9015 - Exterminator - No Pest Removal

9015 - Pet Waste Removal Service

9015 - Chimney Cleaning - From Ground Level

9015 - Power or Pressure Washing - From Ground Level

9015 - Janitorial Services by Contractors - Window Cleaning Above Ground Level

9403 - Junk Removal

5610 - Post Construction Cleaning with Debris Removal

Don't see your business classification?
We're here to help. Call 866-338-8823.

How to get Workers' Comp Insurance in Michigan

Getting workers' comp insurance in Michigan is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Cleaning Business business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

Get an Instant Quote Today!

Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

Start an instant quote now

Helpful tips to save money

Choosing cleaning business insurance services may sound simple, but doing it wrong can be very costly.

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.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Cleaning Business Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Cleaning Business Workers’ Compensation Audit Checklist can help.

For more detailed strategies, check out these tips on how cleaning businesses can save on their workers' compensation insurance.

FAQ's on Workers' Comp for Cleaning Businesses in Michigan

We fix small issues while cleaning, such as tightening fixtures or replacing light bulbs. Is that covered under our workers' comp policy?

Yes, simple maintenance like tightening fixtures is usually included under the cleaning workers' comp classification.

Our business offers both residential and commercial cleaning services. How should we classify our company?

If the majority of your work is residential (class code 0917) or commercial (class code 9014), that will be your main classification. The secondary class can be listed as 'IF ANY' with no payroll assigned.

Looking for Workers' Compensation Insurance for Cleaning Businesses?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Learn more about Cleaning Business Insurance

a janitorial service worker carrying cleaning products

6 Tips to Reduce Janitorial Business’s Workers’ Comp Costs

a janitorial service worker cleaning a window

Workers’ Comp Rates for Janitorial Services 2025

janitorial service employees cleaning a client's house

Janitorial Services Workers’ Compensation Class Codes

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for cleaning business insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

    

Excellent 5 stars

Get Workers’ Compensation for Cleaning Business today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

Get my Quote



The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By entering your email, you agree to our Privacy Policy.

The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.