Cleaning Services workers compensation in Michigan
Cleaning Services businesses in Michigan pay a median rate of $1.82 per $100 of payroll, ranging from $1.82 to $1.82. The national median for Cleaning Services is $1.63, so Michigan sits 12% above the national average. 1 unique NCCI class codes are filed in this state for Cleaning Services occupations. Verified 2026-05-09.
Top Cleaning Services class codes in Michigan
The class codes most likely to apply to a Cleaning Services operation in Michigan, 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 |
|---|---|---|---|
| 9015 | Building operations | $1.82 | HIGH |
Michigan compliance for Cleaning Services employers
Coverage threshold
Employers with 3 or more employees, or 1 employee working 35+ hours/week for 13+ weeks.
1099 vs W-2 in Cleaning Services
Generally considered independent contractors if they meet specific criteria, otherwise they may be reclassified as employees.
Owner exclusion
Allowed in Michigan. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,164 at 80% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in Michigan.
Audit window
Michigan carriers audit payroll within 90 days of policy expiration. Keep Cleaning Services payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Michigan workers comp overview · Cleaning Services cross-state rate comparison · Michigan workers comp lawyer guide · Michigan settlement chart
Estimate your Cleaning Services premium in Michigan
Pre-filled to Cleaning Services and Michigan. 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 Michigan
$9,100to$9,100
Median: $9,100 · Rate range $1.82 to $1.82 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 Michigan
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Step 1, Confirm coverage threshold
Employers with 3 or more employees, or 1 employee working 35+ hours/week for 13+ weeks. 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 Michigan, the cheapest code on this list is 9015 at $1.82 and the most expensive is 9015 at $1.82.
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Step 3, Get a quote
Accident Fund Insurance Company of America is one option in Michigan; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors can be held liable for 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 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 Michigan
What is the typical workers comp rate for Cleaning Services in Michigan?
Cleaning Services employers in Michigan pay a median rate of $1.82 per $100 of payroll, with rates ranging from $1.82 to $1.82 depending on the specific class code. The national median across all states for Cleaning Services is $1.63, so Michigan sits about 12% above the national average.
How many Cleaning Services class codes are filed in Michigan?
Michigan has 1 unique NCCI class codes filed for Cleaning Services occupations, drawn from 1 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 Michigan?
Generally considered independent contractors if they meet specific criteria, otherwise they may be reclassified as employees.
What is the maximum weekly benefit for an injured Cleaning Services worker in Michigan?
Michigan caps weekly workers comp benefits at $1,164 (effective 2025-01-01), calculated as 80% 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 Michigan?
The statute of limitations in Michigan 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 Michigan?
Yes, Michigan 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.