Commercial cleaning contracts almost always require workers' comp. Compare carriers for janitorial and cleaning companies, get the 2026 class 9014 rate, and get certificates quickly for new accounts.
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Last updated · Sources: Florida Office of Insurance Regulation, NCCI, and the Florida Division of Workers' Compensation
Florida janitorial workers' comp: quick facts for 2026
Janitorial and cleaning companies are classed under 9014, Janitorial Services by Contractors, at $3.21 per $100 of payroll for 2026. That's higher than many people expect, because slips, falls, lifting, and chemical exposure are common.
Florida's office parks, condos, medical offices and vacation rentals create steady demand for cleaning companies. Most commercial clients and property managers require a certificate of insurance before you start.
Cleaning companies often have many part-time workers, so they reach Florida's 4-employee threshold quickly.
These are the NCCI class codes most often used for cleaning & janitorial in Florida. Rates shown are 2026 Florida manual rates per $100 of payroll and apply statewide. "Quoted" means the rate for that code is provided with your quote. The right code depends on the work each employee actually does.
| NCCI Code | Classification | Rate per $100 | Premium on $100K payroll* |
|---|---|---|---|
| 9014 | Janitorial / Cleaning Services | $3.21 | $3,370 |
| 8742 | Sales — Outside | $0.38 | $540 |
| 8810 | Clerical / Office Employees | $0.17 | $330 |
* Includes the $160 expense constant, at a 1.0 experience mod, before Drug-Free Workplace (5%) or other credits. See the full Florida rate table.
Yes, once the business has 4 or more employees, counting full-time and part-time workers. This industry is non-construction under Florida's workers' compensation law (Chapter 440). Eligible corporate officers can elect exemption, but exemptions don't cover employees.
For 2026, included officers are rated on a minimum payroll of $33,800 each for construction businesses and $67,600 each for non-construction businesses. Operating without required coverage can lead to a Stop-Work Order and penalties based on the premium you should have paid.
Cleaning companies save by keeping office and sales payroll separate from cleaning crews, documenting any true independent contractors, earning the 5% Drug-Free Workplace credit, and using Pay As You Go billing as contracts and staffing change. Because every Florida carrier starts from the same manual rates, a specialist who knows your industry can make a real difference in how your policy is classified, credited and audited.
Florida uses the same NCCI base rates for every carrier. Premium is (annual payroll ÷ $100) × class code rate × experience mod, plus a $160 expense constant. For example, a cleaning company with $200,000 in payroll (class 9014, $3.21 per $100) pays about $6,580 a year at a 1.0 experience mod, before credits such as the 5% Drug-Free Workplace credit. 2026 Florida rates decreased 6.9% on average.
Yes, once the business has 4 or more employees, counting full-time and part-time workers. This industry is non-construction under Florida's workers' compensation law (Chapter 440). Eligible corporate officers can elect exemption, but exemptions don't cover employees.
Janitorial services are class 9014, rated at $3.21 per $100 of payroll for 2026. A cleaning company with $200,000 in payroll would pay about $6,580 a year at a 1.0 experience mod, including the $160 expense constant.
Only if they really are independent. Florida's Chapter 440 has specific tests for independent contractors. If the company controls the work, provides supplies and sets schedules, the cleaners are likely employees, and their pay may be added to the policy at audit.
The Florida Division of Workers' Compensation can issue a Stop-Work Order that shuts down the business until coverage is obtained and a penalty is paid. The penalty is generally twice the premium the employer would have paid over the prior two years, with a $1,000 minimum, and working in violation of a Stop-Work Order adds further daily penalties. Uninsured employers can also be sued directly by injured workers.
Get a free, no-obligation workers' compensation quote for your Florida janitorial business today.
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