Source: Carrier website and product data
Chubb: Cleaning Services Insurance Appetite
Chubb can write cleaning services accounts but this is not a focus segment — best used when the account has other lines already placed with Chubb or when primary markets have declined. Chubb's underwriting targets well-established cleaning services businesses with strong financials and clean loss history. Premium reflects broader coverage and higher carrier financial strength. 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 |
Premium Range
$3,600-$18,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Chubb Business Owner’s Policy (BOP) covers cleaning services operations with Property enhancements (automatic blanket limit), Liability enhancements (broad named insured, blanket additional insureds), Privacy and data breach
- Chubb provides janitorial bond availability
- Online quoting available — agents can get cleaning services quotes without calling underwriting
Limitations
- Cleaning Services is not a target class for Chubb — expect longer underwriting timelines and less flexible eligibility
- No commercial auto available — must be placed separately for cleaning services accounts with vehicles
- No workers' compensation available — agents need a separate WC carrier for cleaning services employees
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