Workers' comp for cleaning and janitorial companies
Coverage for commercial, residential, and vacation rental cleaning crews, billed with payroll.
Your class code
Janitorial and cleaning services by contractors usually fall under class 9014. Post-construction cleanup and carpet or window cleaning can carry different codes, so tell us what your crews do.
Florida's four-employee rule
Cleaning companies usually fall under Florida's non-construction rules, which require comp once you have four employees, part-time included. Commercial clients and property managers often require a certificate of insurance before you can start, even below that number.
Turnover season
Vacation rental cleaning from Pensacola Beach to 30A swings with the season. Saturday turnovers in summer can triple a crew. Comp through a PEO is figured on each payroll, so premium follows the people you actually have.
Keeping reliable cleaners
Turnover is the biggest cost in cleaning. Health insurance and paid benefits through a PEO give you something to offer that most competitors don't. How benefits work.
What to have ready
- Headcount and last year's payroll, and how much changes between summer and winter
- Your current declarations page, if you have a policy
- Loss runs for the last 3 to 5 years
- Which subs you use, and whether they carry comp
None of it is needed to start a quote.
Questions
Do property managers really ask for comp?
Many commercial clients and rental managers ask for a certificate before you start. Through a PEO, you can get one on request.
Are my cleaners employees if I pay them per house?
Paying per job doesn't by itself make someone a contractor. If you set their schedule and how they work, they may count as employees.
Find out what your crew would pay
Tell us your trade and headcount. We'll shop it with our PEO partners and send you a side-by-side against what you pay now, usually within one business day.