Workers' Comp Rates — Class 9014

Workers' Comp for Janitorial in Indiana (2026)

Indiana uses the Indiana Compensation Rating Bureau (ICRB) for its own rate filings, produces the cleanest 7-working-day waiting period in this batch (retroactive after 21 days), and its 2026 maximum TTD of $878/week is modest — a combination that makes Indiana one of the most predictable low-cost WC markets for janitorial operators.

Competitive marketStatute: Indiana Code §22-3-2-1 et seq. (Workers' Compensation Act); employer insurance at IC §22-3-5-1; benefit rates at IC §22-3-3-22; penalty at IC §22-3-4-13 and §22-3-5-1Effective: Current; 2026 rates (ICRB — Indiana Compensation Rating Bureau — files state-specific rates; NCCI class codes adopted)Last reviewed: Q2 2026
State
Indiana
Governing Statute
Indiana Code §22-3-2-1 et seq. (Workers' Compensation Act); employer insurance at IC §22-3-5-1; benefit rates at IC §22-3-3-22; penalty at IC §22-3-4-13 and §22-3-5-1
NCCI Class Code 9014 — Janitorial Services by Contractors, No Window Cleaning Above Ground Level & Drivers (Indiana uses ICRB filings, NCCI codes adopted)
Enforcement Agency
Indiana Workers' Compensation Board (WCB); 402 W Washington St, Room W196, Indianapolis, IN 46204
Civil Penalty
Failure to insure: Class A infraction (IC §22-3-4-13 and §22-3-5-1) — maximum fine $10,000; WCB may order stop-work order, compensation up to 2× standard benefits, medical expenses, attorney fees; civil penalty up to $50/day per employee during noncompliance period

How workers' comp works for janitorial in Indiana

Indiana is a competitive private-market state that uses the Indiana Compensation Rating Bureau (ICRB) — not NCCI directly — for rate filings, though NCCI class codes are adopted. The Indiana Workers' Compensation Board (WCB) administers claims. Indiana mandates coverage for essentially all employers except those in specifically enumerated exemption categories (farm labor, railroad train crews, municipal pension-fund police/fire). Indiana's WC system is generally considered efficient with a strong medical fee schedule, contributing to relatively competitive rates. The state's maximum weekly benefit resets each July 1.

Class code and rate (2026)

  • Code 9014 — Janitorial Services by Contractors, No Window Cleaning Above Ground Level & Drivers. Indiana uses ICRB-filed loss costs. Indicative market rate for Indiana 9014: approximately $2.20/$100 payroll. Confirm current rate via ICRB (icrb.net) or ICRB Circular 2024-08 advisory rate filing.
  • Code 9170 — Above-ground window cleaning. Higher rate; payroll separation required.

Indemnity benefits (Indiana 2026)

  • Max weekly TTD (injuries after 7/1/2026): $878 (= 2/3 × $1,316.00 maximum AWW per ICRB rate chart effective 7/1/2026).
  • Max weekly TTD (injuries after 7/1/2025 through 6/30/2026): $852 (= 2/3 × $1,278.00 maximum AWW).
  • No separate statutory minimum weekly benefit (benefit = 2/3 of actual average weekly wage regardless of low-wage status).
  • Waiting period: 7 working days (unusual — Indiana counts working days, not calendar days); first 7 working days compensated retroactively if disability exceeds 21 days (IC §22-3-3-7(b)).
  • TTD duration: maximum 125 weeks; any disability beyond 125 weeks is converted to PPI (permanent partial impairment) rating at MMI.
  • PPI (permanent partial impairment) lump sum: calculated per IC §22-3-3-10 schedule; maximum exposure = 500 weeks at PTD rate.

Coverage thresholds and exemptions

  • Coverage is mandatory for all employers except: (1) railroad employees in train service, (2) farm laborers, (3) municipal fire/police in pension funds, (4) IRS-defined independent contractors (IC §22-3-2-2).
  • No employee-count threshold — even a single employee triggers the mandate.
  • Independent contractor test: Indiana applies IRS 20-factor common-law control test; cleaning workers under a janitorial company's direction almost always qualify as employees.

Failure-to-insure penalty

Failure to insure is a Class A infraction under IC §22-3-4-13 and §22-3-5-1, carrying a maximum fine of $10,000. The Indiana WCB may additionally order: (1) compensation at up to twice the standard benefit amount, (2) payment of all medical expenses, (3) reasonable attorney fees for the injured worker, and (4) a stop-work order until compliance is achieved. Civil penalties also accrue at up to $50 per employee per day during the noncompliance period. Referral to county prosecutors for criminal proceedings is available in willful-violation cases.

Cost drivers specific to janitorial in Indiana

  • Top injuries (BLS NAICS 561720): slips/falls, back/shoulder strains, chemical exposure — Indiana's large manufacturing sector generates significant demand for industrial facility cleaning, adding heavier-duty exposure than typical commercial cleaning.
  • Indiana's efficient medical fee schedule and competitive private market consistently produce below-average claim costs relative to surrounding states.
  • Indiana's 7 working-day waiting period (vs. most states' 3–5 calendar days) creates a slightly longer employer-absorbs-cost window for short-term absences — factor into leave/modified-duty policies.
  • Bid-math note: at ~$2.20/$100, load WC at approximately 2.2% of gross wages in Indiana bids. The $878/week cap (7/1/2026) limits TTD severity significantly compared to Northeast states.

Primary sources

Sources

This page is informational only. It does not constitute legal advice, tax advice, or a professional compliance determination. Laws vary by state and locality, change over time, and apply differently depending on your specific facts and circumstances. Before taking any action with legal or business consequences, consult a licensed attorney or CPA qualified in your jurisdiction.