Workers' Comp Rates — Class 9014

Workers' Comp for Janitorial in Missouri (2026)

Missouri's TTD maximum reached $1,280.84/week for 7/1/2025–6/30/2026, indexed annually to the state average weekly wage. The 2026 NCCI filing posted a +1.3% increase — only the second rate increase in six years — driven by higher medical costs. Kickstand data shows class 9014 at $2.59/$100, one of the higher rates in this batch.

Competitive marketStatute: Mo. Rev. Stat. §287.010 et seq. (Workers' Compensation Law); employer insurance at §287.280; benefit calculation at §287.160, §287.190, §287.200; penalty at §287.128Effective: Current; 2026 rates effective 1/1/2026 (NCCI Missouri filing, +1.3% overall increase — only second increase in six years); benefit rates reset 7/1/2025Last reviewed: Q2 2026
State
Missouri
Governing Statute
Mo. Rev. Stat. §287.010 et seq. (Workers' Compensation Law); employer insurance at §287.280; benefit calculation at §287.160, §287.190, §287.200; penalty at §287.128
NCCI Class Code 9014 — Janitorial Services by Contractors, No Window Cleaning Above Ground Level & Drivers
Enforcement Agency
Missouri Department of Labor and Industrial Relations — Division of Workers' Compensation (DWC); 3315 W Truman Blvd, Room 131, Jefferson City, MO 65102
Civil Penalty
Failure to insure: civil penalty of three times the premium the employer should have paid for the uninsured period, up to a maximum of $50,000 (Mo. Rev. Stat. §287.128); employer personally liable for all compensation owed; DWC may seek stop-work order and court injunction; injured worker may sue at common law without employer's negligence defenses

How workers' comp works for janitorial in Missouri

Missouri is an NCCI state with a competitive private insurance market. The Division of Workers' Compensation (DWC), within the Missouri Department of Labor and Industrial Relations, administers all claims. Missouri has a 5-employee threshold for most industries — coverage is mandatory once an employer has 5 or more workers — but construction and demolition employers must cover any employee regardless of count. The NCCI filed a +1.3% overall increase for Missouri 2026 rates, only the second rate increase in the past six years, driven by higher medical frequency. Missouri's maximum weekly TTD of $1,280.84 (7/1/2025–6/30/2026) is among the higher caps in this batch.

Class code and rate (2026)

  • Code 9014 — Janitorial Services by Contractors, No Window Cleaning Above Ground Level & Drivers. Missouri is an NCCI loss-cost state. 2025 carrier data shows approximately $2.59/$100 payroll; the NCCI's +1.3% increase effective 1/1/2026 brings the indicative 2026 rate to approximately $2.62/$100 — one of the highest in this batch for class 9014.
  • Code 9170 — Janitorial with above-ground window cleaning. Separately rated; significantly higher loss cost.

Indemnity benefits (Missouri 2026)

  • Max weekly TTD/PTD/Death: $1,280.84 (effective 7/1/2025 through 6/30/2026; per Missouri DWC notices and MVP Law 2025 benefit updates; Mo. Rev. Stat. §287.200).
  • Max weekly PPD: $670.92 (effective 7/1/2025–6/30/2026; = 55% of SAWW; per Evans-Dixon 2025–2026 MO Rate Chart).
  • Min weekly: $40 (per Evans-Dixon 2025–2026 MO Rate Chart).
  • Waiting period: 3 business days; first 3 business days paid retroactively if disability exceeds 14 days (Mo. Rev. Stat. §287.160).
  • TTD compensation rate: 66.67% of AWW, capped at $1,280.84/week.
  • PPD aggregate dollar cap: $225,000 for whole-body disability (PTD lifetime) and $130,000 for most PPD claims (Mo. Rev. Stat. §287.190).

Coverage thresholds and exemptions

  • Mandatory for employers with 5 or more employees (Mo. Rev. Stat. §287.030); janitorial companies with 5+ workers must carry coverage.
  • Construction and demolition employers: must cover any employee regardless of count (even a single construction worker).
  • Farm labor, domestic servants, and casual workers not in the regular course of business are exempt.
  • Corporate officers may elect exclusion; sole proprietors and partners are excluded by default (may voluntarily elect coverage).
  • Independent contractor test: Missouri uses a "right to control" test; cleaning workers under a janitorial company's supervision are almost always employees regardless of written contracts.

Failure-to-insure penalty

Under Mo. Rev. Stat. §287.128, an employer who fails to secure required WC coverage is subject to a civil penalty of three times the premium the employer should have paid for the uninsured period, up to a maximum of $50,000. This 3× premium recoupment model is one of the more punitive structures in this batch. The DWC may additionally seek a stop-work order and court injunction. The employer is personally liable for all compensation owed to injured workers, who may also sue at common law without the employer asserting negligence defenses.

Cost drivers specific to janitorial in Missouri

  • Top injuries (BLS NAICS 561720): slips/falls, back/shoulder strains, chemical exposure — Missouri's large distribution and logistics hub (Kansas City and St. Louis metro areas) generates significant demand for warehouse and industrial cleaning.
  • Missouri's 2026 NCCI filing posted a +1.3% rate increase — the second such increase in six years — indicating a modest upward trend in medical costs; monitor 2027 filing for continuation of this trend.
  • Missouri's 5-employee threshold is similar to Mississippi; janitorial operators scaling from 4 to 5 employees cross the mandatory coverage threshold and should budget for coverage from day one of the fifth hire.
  • Bid-math note: at ~$2.62/$100, load WC at approximately 2.6% of gross wages in Missouri bids — the highest rate in this batch alongside Minnesota. The $1,280.84 TTD cap means significant exposure on serious TTD claims.

Primary sources

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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.