Cleaning Services workers compensation in Rhode Island
Cleaning Services businesses in Rhode Island pay a median rate of $2.39 per $100 of payroll, ranging from $1.89 to $3.04. The national median for Cleaning Services is $1.63, so Rhode Island sits 47% above the national average. 3 unique NCCI class codes are filed in this state for Cleaning Services occupations. Verified 2026-05-09.
Top Cleaning Services class codes in Rhode Island
The class codes most likely to apply to a Cleaning Services operation in Rhode Island, 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 | $1.89 | HIGH |
| 9015 | Building operations | $2.39 | HIGH |
| 0917 | Domestic service, inside | $3.04 | HIGH |
Rhode Island compliance for Cleaning Services employers
Coverage threshold
Mandatory for employers with one or more employees.
1099 vs W-2 in Cleaning Services
Beginning on January 1, 2024, independent contractors are required to file an annual registration for the duration of their relationship with each entity.
Owner exclusion
Allowed in Rhode Island. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,622 at 62% of average weekly wage, effective 2025-10-01.
Statute of limitations
2 years from injury date in Rhode Island.
Audit window
Rhode Island 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 Rhode Island workers comp overview · Cleaning Services cross-state rate comparison · Rhode Island workers comp lawyer guide · Rhode Island settlement chart
Estimate your Cleaning Services premium in Rhode Island
Pre-filled to Cleaning Services and Rhode Island. 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 Rhode Island
$9,450to$15,200
Median: $11,950 · Rate range $1.89 to $3.04 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 Rhode Island
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Step 1, Confirm coverage threshold
Mandatory for employers with one or more employees. 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 Rhode Island, the cheapest code on this list is 9014 at $1.89 and the most expensive is 0917 at $3.04.
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Step 3, Get a quote
Beacon Mutual Insurance Company is one option in Rhode Island; 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 are typically liable for the workers' compensation coverage of their uninsured subcontractors and their employees. 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 Rhode Island
What is the typical workers comp rate for Cleaning Services in Rhode Island?
Cleaning Services employers in Rhode Island pay a median rate of $2.39 per $100 of payroll, with rates ranging from $1.89 to $3.04 depending on the specific class code. The national median across all states for Cleaning Services is $1.63, so Rhode Island sits about 47% above the national average.
How many Cleaning Services class codes are filed in Rhode Island?
Rhode Island has 3 unique NCCI class codes filed for Cleaning Services occupations, drawn from 3 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 Rhode Island?
Beginning on January 1, 2024, independent contractors are required to file an annual registration for the duration of their relationship with each entity.
What is the maximum weekly benefit for an injured Cleaning Services worker in Rhode Island?
Rhode Island caps weekly workers comp benefits at $1,622 (effective 2025-10-01), calculated as 62% 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 Rhode Island?
The statute of limitations in Rhode Island 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 Rhode Island?
Yes, Rhode Island 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.