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Wyoming classifies cleaning as extrahazardous — by statute, by NAICS code. Wyo. Stat. §27-14-108(a)(ii)(M) enumerates industry group 5617, services to buildings and dwellings — janitorial and cleaning work — among the employments that must carry workers’ compensation, and in Wyoming that coverage comes only from the state fund run by the Department of Workforce Services. Your mop bucket is, legally, extrahazardous equipment.
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What Wyoming Actually Requires
| Requirement | Wyoming rule |
|---|---|
| Workers’ compensation | MANDATORY for cleaning businesses — NAICS 5617 is enumerated extrahazardous (Wyo. Stat. §27-14-108(a)(ii)(M)) |
| Where it’s sold | The state fund ONLY — Wyoming is monopolistic; private WC policies are not valid here (DWS Workers’ Compensation Division) |
| State cleaning licence | None — Wyoming does not licence cleaning businesses |
| Janitorial bond | Not state-mandated — but commercial contracts require one, and Wyoming’s small market runs heavily on word-of-mouth vendor trust |
Extrahazardous by Enumeration, Not by Argument
Other states decide coverage by headcount; Wyoming decides it by industry list, and cleaning is on the list. There is no three-employee threshold to stay under and no election to skip — a janitorial business with employees registers with the DWS Workers’ Compensation Division and pays into the state fund, full stop. The “optional coverage” half of Wyoming’s statute belongs to industries the list omits; services to buildings and dwellings is not one of them.
The monopolistic structure means the rest of the stack shops separately: general liability, the janitorial bond and commercial auto come from private carriers, while the workers’-comp account lives with the state.
The Coverages Every Cleaning Business Carries Regardless
- General liability. The scratched hardwood, the bleach spot on a client’s carpet, the wet-floor slip. One cleaning-specific catch: many policies exclude damage to property in your care, custody or control — which can mean the very surface you were hired to clean. Ask the question before you buy, not at claim time.
- Janitorial (fidelity) bond. Covers employee theft from client premises — the coverage commercial clients ask for by name before handing over keys and alarm codes. No state requires it; nearly every office contract does.
- Commercial auto for the crew vehicle — a personal policy excludes business use.
- Workers’ compensation — in Wyoming, mandatory for cleaning businesses and sold only by the state fund.
Clients ask for your COI before handing over the keys.
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Frequently Asked Questions
Is workers’ comp required for a Wyoming cleaning business?
Yes — Wyoming Statute 27-14-108 enumerates NAICS industry group 5617 (services to buildings and dwellings, which covers janitorial and cleaning work) as extrahazardous employment, making workers’ compensation mandatory. Coverage comes only from the state fund run by the Department of Workforce Services — Wyoming is a monopolistic state.
Can a Wyoming cleaning business buy workers’ comp from a private insurer?
No. Wyoming’s workers’ compensation is sold only through the state fund. Private carriers supply the rest of the insurance stack — general liability, janitorial bond, commercial auto — but the WC account is with the Department of Workforce Services.
Comparing states? See cleaning business insurance requirements in every state, or the full guide to starting a cleaning business in Wyoming.
Sources
| Source | What it confirms |
|---|---|
| Wyo. Stat. §27-14-108 | NAICS 5617 enumerated extrahazardous at (a)(ii)(M); optional-coverage provision for non-enumerated work |
| Wyoming DWS — Workers’ Compensation Division | The monopolistic state fund |
