Source: Carrier website and product data
BTIS: Cleaning Services Insurance Appetite
BTIS writes cleaning services at standard terms for clean accounts. As an MGA, BTIS can access multiple carrier panels – helpful when the cleaning services account has unusual exposures that standard markets decline. Commercial cleaning clients often require $1M/$2M GL limits and additional insured status in the certificate
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
Most states (varies by carrier)
Key Features
- Best Choice Contractor General Liability covers cleaning services operations with Blanket Additional Insured (WOS & Primary/Non-Contributory)
- Workers' comp for 5-40 employees with experience mod-based pricing
- BTIS provides janitorial bond availability
- BTIS provides pay-as-you-go workers' comp for seasonal staffing fluctuations
Limitations
- Crime scene and biohazard cleanup typically excluded from standard GL programs
- High-rise exterior window cleaning requires specialized coverage not available in standard BOP
- Accounts with hazmat or asbestos remediation work are declined
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