Connecticut Workers' Comp Insurance for Cleaning & Janitorial Services

Connecticut requires virtually every employer with one or more employees, including part-time workers, to carry workers' compensation insurance or qualify as a self-insurer. There is no minimum payroll or hours threshold that exempts a business once it has hired staff; the requirement is triggered by having an employee, not by business size. See the Connecticut Workers' Compensation Commission's employer guidance.

Common codes for this work include 9014 Janitorial Services (Contracted); 5610 Construction Cleanup / Debris Removal; 7380 Commercial Drivers & Messengers. Connecticut uses NCCI class codes, so the codes below are the ones carriers typically assign to this work in Connecticut.

Connecticut treats sole proprietors, partners, LLC members, and corporate officers as having discretionary coverage rather than automatic inclusion or exclusion: each must file the appropriate election form (Form 75 for a sole proprietor, Form 6B-1 for a partner, Form 6B for an LLC member or corporate officer) to affirmatively accept or reject coverage for themselves, and that election can later be reversed by filing again. Until an election is filed, these individuals are not automatically covered. Because the election is on record with the Commission, employers should keep copies of whichever forms apply to their ownership structure.

Failing to carry required coverage carries a civil penalty of the greater of $500 per employee or $5,000 (up to a $50,000 cap), plus $100 for each day noncompliance continues after it's identified, also capped at $50,000; unpaid penalties can be doubled if not paid within 90 days. A knowing and willful violation is a Class D felony, and business owners, partners, LLC principals, and corporate officers can be held personally liable. The same Class D felony exposure applies to knowingly misclassifying employees as independent contractors to reduce premiums, and the Labor Commissioner can issue a stop-work order (Conn. Gen. Stat. § 31-288).

Price is driven by payroll in each class code, the Connecticut rates filed for those codes, your claims history (experience modification), and underwriting factors such as total payroll and number of client sites serviced; whether work is limited to ground-level cleaning versus above-ground window work; daytime versus overnight scheduling. We compare carriers so you can see what you qualify for.

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Ground-level window cleaning generally does, but above-ground window cleaning is treated as a distinct, higher-hazard exposure and is not included in the standard contracted-janitorial classification.

Yes, contracted cleaning work is generally rated the same way whether the client is a commercial office or a residential home, since the classification is built around the cleaning work and travel between sites rather than the client type.

Most commercial clients require a current certificate showing active workers' comp before a contract starts, often listing themselves as certificate holder so they're notified if the policy changes or lapses.

Yes. Connecticut has no minimum employee-count exemption, so hiring even one part-time worker generally triggers the requirement to carry coverage.

No. LLC members have discretionary coverage and must file Form 6B with the Workers' Compensation Commission to elect to be covered; without that election, they aren't automatically included.