Cleaning Services workers compensation in Indiana
Cleaning Services businesses in Indiana pay a median rate of $1.54 per $100 of payroll, ranging from $1.50 to $1.59. The national median for Cleaning Services is $1.63, so Indiana sits 5% below the national average. 2 unique NCCI class codes are filed in this state for Cleaning Services occupations. Verified 2026-05-09.
Top Cleaning Services class codes in Indiana
The class codes most likely to apply to a Cleaning Services operation in Indiana, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 9014 | Janitorial, buildings | $1.50 | HIGH |
| 9015 | Building operations | $1.59 | HIGH |
Indiana compliance for Cleaning Services employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Cleaning Services
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
Owner exclusion
Allowed in Indiana. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$852 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
2 years from injury date in Indiana.
Audit window
Indiana carriers audit payroll within 90-120 days of policy expiration. Keep Cleaning Services payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Indiana workers comp overview · Cleaning Services cross-state rate comparison · Indiana workers comp lawyer guide · Indiana settlement chart
Estimate your Cleaning Services premium in Indiana
Pre-filled to Cleaning Services and Indiana. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Cleaning Services in Indiana
$7,500to$7,950
Median: $7,725 · Rate range $1.50 to $1.59 per $100 payroll
Industry median across all states
$8,150
Cheapest states for Cleaning Services
- Virginia $0.917
- Utah $0.920
- Tennessee $0.940
Most expensive
- New Jersey $5.45
- California $4.55
- New York $3.13
Estimate based on 23 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Cleaning Services businesses in Indiana
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance. For Cleaning Services operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Cleaning Services businesses typically use codes like 9015, 9014, 0917. The wrong code can cost 4 to 10x more or get reclassified at audit. In Indiana, the cheapest code on this list is 9014 at $1.50 and the most expensive is 9015 at $1.59.
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Step 3, Get a quote
Private carriers write Cleaning Services coverage in Indiana. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
A principal contractor can be held liable for injuries to employees of uninsured subcontractors. Cleaning Services operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90-120 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Cleaning Services class allocation can shift if any worker spends more than 50% of time on a different code.
Cleaning Services workers comp FAQs in Indiana
What is the typical workers comp rate for Cleaning Services in Indiana?
Cleaning Services employers in Indiana pay a median rate of $1.54 per $100 of payroll, with rates ranging from $1.50 to $1.59 depending on the specific class code. The national median across all states for Cleaning Services is $1.63, so Indiana sits about 5% below the national average.
How many Cleaning Services class codes are filed in Indiana?
Indiana has 2 unique NCCI class codes filed for Cleaning Services occupations, drawn from 2 state-class code rate cells in our dataset. The most common codes include 9015 (Building operations), 9014 (Janitorial, buildings), 0917 (Domestic service, inside).
Are Cleaning Services 1099 contractors covered by workers comp in Indiana?
Indiana uses the 'right to control' test to determine if a worker is an employee or an independent contractor; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Cleaning Services worker in Indiana?
Indiana caps weekly workers comp benefits at $852 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Cleaning Services workers are subject to the same statutory cap as workers in any other industry.
How long does a Cleaning Services worker have to file a comp claim in Indiana?
The statute of limitations in Indiana is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Cleaning Services workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Cleaning Services business owner exclude themselves from comp coverage in Indiana?
Yes, Indiana allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Cleaning Services owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.