Workers' Comp Rates — Class 9014

Workers' Comp for Janitorial in Oklahoma (2026)

Oklahoma's 2026 TTD maximum is $1,128.66 — tied to 100% of the state average weekly wage — and its WC system (reformed via the Oklahoma Employee Injury Benefit Act of 2013) operates through the Workers' Compensation Commission rather than a court, producing faster adjudication and more predictable outcomes.

Competitive marketStatute: 85A O.S. §1 et seq. (Oklahoma Workers' Compensation Act, Title 85A); benefit rates at 85A O.S. §45; employer insurance obligation at 85A O.S. §35; failure-to-insure at 85A O.S. §76Effective: Current; 2026 rates effective 1/1/2026 (NCCI filing; benefit max resets annually based on state AWW); TTD max $1,128.66 for injuries 1/1/2026–12/31/2026Last reviewed: Q2 2026
State
Oklahoma
Governing Statute
85A O.S. §1 et seq. (Oklahoma Workers' Compensation Act, Title 85A); benefit rates at 85A O.S. §45; employer insurance obligation at 85A O.S. §35; failure-to-insure at 85A O.S. §76
NCCI Class Code 9014 — Janitorial Services by Contractors, No Window Cleaning Above Ground Level & Drivers
Enforcement Agency
Oklahoma Workers' Compensation Commission (WCC); 1915 N. Stiles Ave, Oklahoma City, OK 73105; wcc.ok.gov
Civil Penalty
Failure to insure: employer guilty of a misdemeanor (85A O.S. §76); civil penalty up to 2× standard WC benefits owed; employer liable for all medical and wage-loss benefits; WCC may issue stop-work order; Workers' Compensation Commission may assess fine equal to avoided insurance premiums; injured worker may sue employer in district court as an alternative to WC system

How workers' comp workers for janitorial in Oklahoma

Oklahoma is an NCCI state with a competitive private insurance market. The Oklahoma Workers' Compensation Commission (WCC) — an administrative agency created by the landmark 2013 reform (85A O.S.) — adjudicates all WC disputes. The 2013 reform replaced the previous Workers' Compensation Court with the WCC and significantly restructured the benefit system, including creating a separate PPD rate and new non-soft-tissue/surgical claim limits. There is no monopolistic state fund; all coverage must be placed with licensed private carriers, approved group self-insurance plans, or self-insured employers. Oklahoma mandates coverage for essentially all employers from the first employee, with only casual employees outside the regular course of business excluded.

Class code and rate (2026)

  • Code 9014 — Janitorial Services by Contractors, No Window Cleaning Above Ground Level & Drivers. Oklahoma is an NCCI loss-cost state. Indicative market rate: approximately $2.10–$2.40/$100 payroll. Confirm current rate at ncci.com Class Lookup or Oklahoma Insurance Department.
  • Code 9170 — Above-ground window cleaning. Higher rate; separate payroll required.

Indemnity benefits (Oklahoma 2026)

  • Max weekly TTD/PTD/death: $1,128.66 (effective 1/1/2026–12/31/2026; per Oklahoma WCC announcement and MVP Law OK 2026 Rate Card; = 100% of state AWW; 85A O.S. §45(A)).
  • TTD rate: 70% of AWW, capped at $1,128.66/week (85A O.S. §45(A)).
  • PPD (permanent partial disability) max: $375/week (effective 7/1/2025; set in statute at 85A O.S. §45(C); remains unchanged from 7/1/2025 through 6/30/2026).
  • Waiting period: 3 calendar days; retroactive to day 1 if disability extends beyond 10 days (85A O.S. §45(B)).
  • TTD duration: maximum 156 weeks for non-soft-tissue/surgical cases (post-5/28/2019 injuries); 104 weeks for soft-tissue-only cases.
  • PTD: payable for life at TTD rate up to maximum (85A O.S. §45(D)).

Coverage thresholds and exemptions

  • Mandatory for all employers with 1 or more employees; 85A O.S. §35 — no employee-count threshold.
  • Exemptions: casual employees not in regular course of business; farm/agricultural laborers; domestic servants; certain independent contractors (per IRS common-law test under 85A O.S.).
  • Independent contractor test: Oklahoma applies a multi-factor test under 85A O.S. §2; janitorial cleaning crews under a contractor's operational control are employees.

Failure-to-insure penalty

Under 85A O.S. §76, an employer who fails to maintain required workers' compensation coverage is guilty of a misdemeanor. The Oklahoma WCC may assess civil penalties including exposure to double the standard benefit amount owed to any injured worker during the uninsured period. The employer is personally liable for all medical and wage-loss benefits. The WCC may also issue a stop-work order requiring the employer to cease all business operations at affected sites until coverage is secured. An uninsured employer's injured worker also has the right to sue the employer in district court as an alternative remedy.

Cost drivers specific to janitorial in Oklahoma

  • Top injuries (BLS NAICS 561720): slips/falls, back strains, chemical exposure — Oklahoma's large oil-and-gas sector generates significant industrial facility cleaning demand alongside traditional commercial accounts in Oklahoma City and Tulsa.
  • Oklahoma's 156-week TTD cap for non-soft-tissue/surgical cases (post-2019) significantly limits long-tail indemnity exposure compared to states with unlimited TTD duration.
  • The WCC's administrative adjudication model (replacing the former court system) has improved claim resolution speed, reducing long-term reserve uncertainty for janitorial operators.
  • Bid-math note: at ~$2.25/$100, load WC at approximately 2.25% of gross wages in Oklahoma bids. The $1,128.66/week cap (2026) is moderate — TTD exposure on high-wage supervisors approaches the cap but rarely exceeds it in typical janitorial accounts.

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.