Workers' Comp for Cleaning Business in Texas

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

Policies for commercial, residential, and janitorial cleaning services

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

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Running a cleaning business in Texas means dealing with everything from chemical spills to slips on wet floors. Workers’ comp insurance helps pay for medical bills and lost wages if injuries occur, ensuring your team and business are protected.

Common Cleaning Business injuries

Back injuries – Repeatedly lifting or moving heavy objects
Chemical burns – From exposure to strong cleaning agents
Slips and falls – Wet floors or misplaced equipment increase risks
Fractures – Accidents on slippery surfaces can lead to broken bones
Respiratory issues – Inhalation of aerosols and cleaning chemicals

Workers' Comp for Cleaning Businesses in Texas: Legal Requirements

In Texas, workers’ compensation insurance is optional for most employers, including cleaning businesses. However, many Texas companies opt to carry coverage to protect their employees and reduce potential financial or legal risks from workplace injuries. For cleaning businesses working as subcontractors, some general contractors may require proof of workers’ comp coverage before allowing work to begin. Non-subscribers must file a DWC Form-005 annually to notify the Division of Workers’ Compensation of their non-subscriber status and report all workplace injuries or illnesses. Failing to meet these requirements can lead to penalties and increased liability. Learn more about Workers’ Compensation Insurance Texas here.

Common types of Cleaning Business workers we can insure in Texas

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 Texas cost per month?

The average cost of workers' compensation insurance for cleaning businesses in Texas is $27 per month per employee. This is significantly lower than the national average of $75 per month. Texas cleaning businesses benefit from some of the lowest workers' comp rates in the country. Rates can still vary depending on factors like payroll size and claims history. For a detailed breakdown, check out our 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. Additionally, while these numbers represent estimated manual premiums based on payroll, many carriers enforce minimum premiums, which can result in annual costs that are higher than the listed monthly amounts.

What's the cost based on?

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

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 Texas Cleaning Business

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

9014 - Janitorial Services by Contractors - No Window Cleaning above Ground Level

9014 - Janitorial Service - Residential and Commercial

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

9402 - Junk Removal

9014 - 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 Texas

Getting workers' comp insurance in Texas 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.

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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.

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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 Texas

We offer maid and home cleaning services in addition to some commercial janitorial cleaning. How should my business be classified?

If you do both residential cleaning (class code 0917) and commercial janitorial cleaning (class code 9014), the majority of your work will determine the main class code.The other class code can be listed as "IF ANY" with no payroll under it to better protect your business.

While cleaning offices, we sometimes clean exterior windows using a ladder. Is this kind of work covered by my workers' comp policy?

It can be, but only if the correct classification is used. Exterior window cleaning, especially involving ladders, typically falls under class code 9170, not 9014. Check with your insurance provider to ensure your policy includes this type of work to avoid any issues with coverage.

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Learn more about Cleaning Business Insurance

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Workers’ Comp Rates for Janitorial Services 2025

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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

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The Ultimate Guide to Workers' Comp Insurance

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

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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