Source: Carrier website and product data
Cincinnati Financial: Cleaning Services Insurance Appetite
Cincinnati Financial can write cleaning services accounts but this is not a focus segment — best used when the account has other lines already placed with Cincinnati Financial or when primary markets have declined. Cincinnati Financial'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 |
| Workers' Compensation |
| Commercial Auto |
Premium Range
$3,000-$14,400
Typical annual premium
Target States
44 states
Key Features
- Three-Year Commercial Package Policy covers cleaning services operations with Rate lock for 3 years
- Workers' comp for 5-40 employees with experience mod-based pricing
- Cincinnati Financial provides janitorial bond availability
- Cincinnati Financial provides pay-as-you-go workers' comp for seasonal staffing fluctuations
Limitations
- Cleaning Services is not a target class for Cincinnati Financial — expect longer underwriting timelines and less flexible eligibility
- Crime scene and biohazard cleanup typically excluded from standard GL programs
- High-rise exterior window cleaning requires specialized coverage not available in standard BOP
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