Comply with state laws
Avoid fines
Protect your employees
Protection from lawsuits
...'cause they can get hurt
Virginia’s cleaning crews handle everything from commercial spaces to medical offices. Whether it’s dust exposure, slip hazards, or heavy lifting, workers’ comp insurance ensures financial protection for your employees and business.
Cleaning businesses in Virginia with three or more employees must carry workers’ compensation insurance. Non-compliance may lead to fines, stop-work orders, and other penalties. Learn more about Workers’ Comp Insurance in Virginia here.
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.
If your subcontractors have their own workers' comp insurance, they do not need to be included. However, if they are uninsured, they must be added to your policy.
Not always. Some policies provide temporary coverage, but if the job lasts more than a short period, you may need to officially add the state. Always confirm with your insurance company before accepting work outside your usual region.
Unlike other online insta-quote systems,
here your quote is reviewed by experts
A Step-by-Step Handbook for Small Businesses - you don't want to skip this!
By entering your email, you agree to our Privacy Policy.
Arkansas
Connecticut
Florida
Georgia
Missouri
North Carolina
Oklahoma
Pennsylvania
Rhode Island
Tennessee
Texas
Virginia
See all
© 2024. All Rights Reserved | Sitemap | Terms & Conditions | Privacy Policy
5148 US-9, Howell, NJ 07731
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.
