Save up to 20% on work comp insurance
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Our proprietary online quoting tool makes it easy. Just answer a few simple questions about your business.
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Since 2012, WorkCompOne has helped thousands of small businesses get the coverage they need to stay in compliance and protect their employees.
It's work comp, simplified for small business. Our online platform allows top national carriers to serve all businesses – even those with less than 10 employees.
Running a janitorial and cleaning company is challenging. From managing cleaning crews and ensuring customer satisfaction to prioritizing the safety of your employees, there are many aspects to consider. Our specialized workers' compensation insurance is specifically designed for janitorial and cleaning companies like yours, addressing your unique requirements.
Accidents happen out of the blue, but with our coverage, you can focus on what you do best—providing exceptional cleaning services to your customers. Safeguard your janitorial and cleaning business today
In the bustling environment of janitorial and cleaning companies, unexpected incidents can occur. Your employees may face the following risks:
In the unfortunate event of an employee getting injured, a workers' compensation insurance policy covers medical expenses, lost wages, and disability benefits.
The work comp coverage offers:
This financial support serves as a safety net, replacing lost wages during recovery, enabling employees to focus on healing without financial worries. Workers' compensation insurance goes beyond fulfilling legal requirements—it shows your employees that their well-being is a priority.
The cost of workers' compensation insurance coverage depends on the size of the business, the company payroll, and the business's past coverage and claims history.
Within the industry, rates might differ depending on your company’s circumstances:
Workers' compensation premiums are calculated based on the type of work employees perform. Some businesses have different functions performed by different employees, while others have just a few people who wear many hats. These roles are described using work class codes. It’s important to classify employees accurately - based on what they spend most of their time doing - because this could dramatically alter your premium.
Note: If your janitorial business works with subcontractors, ensure they have their own workers' compensation insurance or are covered under your policy to maintain compliance and coverage.
For janitorial and cleaning companies, workers' compensation insurance is a wise decision and a legal obligation in numerous U.S. states. Failing to have this insurance coverage can result in substantial fines and penalties. If your cleaning company operates in multiple states or your employees occasionally work out-of-state, you must obtain insurance that complies with the laws of each state where your employees are located.
Securing the right workers' compensation insurance for your janitorial and cleaning company is essential. Follow this step-by-step guide to get a tailored insurance quote:
Workers' compensation insurance is crucial for providing wage replacement and medical benefits to your employees in case of work-related injuries or accidents, such as slips, falls, or strains i.e. workers’ compensation claims. Given the nature of the janitorial and cleaning industry, where employees may face various risks while performing their duties, having comprehensive workers' compensation coverage is vital.
Before contacting insurance agencies, take some time to evaluate your janitorial and cleaning company's specific requirements.
Providing this data will assist insurance agencies in giving you a tailored quotation.
Each U.S. state has its own workers' compensation regulations. Familiarize yourself with your state's specific requirements and any exemptions for janitorial and cleaning companies.
Remember that if your cleaning company operates in multiple states or your employees work temporarily out-of-state, you'll need to purchase insurance according to each state's laws.
Contact reputable insurance agencies, preferably independent ones, with expertise in workers' compensation insurance for small businesses like yours.
Share the detailed information you've gathered, including:
Once you receive quotes from different insurance carriers, compare them carefully to make an informed decision. While cost is significant, consider other crucial factors such as the extent of coverage, customer service, and the claims process.
After a thorough comparison, choose the workers' compensation insurance policy that offers comprehensive coverage at a fair price. Obtaining workers' compensation insurance fulfills a legal obligation and demonstrates your commitment to your employees' well-being and safety.
Where small businesses buy workers' compensation insurance. WorkCompOne is an online digital insurance agency changing workers’ compensation insurance. Combining best practices in technology and insurance, we’ve built a new way for businesses to secure workers’ compensation insurance online.
Founded in 2012, WorkCompOne offers coverage to small businesses nationwide through its easy online platform and partnership with leading national carriers. WorkCompOne is part of Custom Commercial Insurance Solutions.
Custom Commercial Insurance Solutions is on a mission to make insurance shopping simple and convenient — for all businesses, everywhere. By bringing together data-rich embedded integrations, bespoke insurance products and world-class customer service, CCiS powers digital experiences backed by a team of licensed agents.
Finally, commercial insurance is easy for business owners, profitable for partners, and accessible wherever small businesses shop. Learn more at ccisagency.com.
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