Source: Carrier website and product data
Coterie Insurance: Cleaning Services Insurance Appetite
Coterie Insurance explicitly targets landscape and janitorial services as a focus segment. Fully digital quoting and binding process — Coterie Insurance's platform is designed for fast turnaround on small cleaning services accounts. 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
$2,000-$12,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Coterie Business Owner's Policy (BOP) covers cleaning services operations with $10,000 Accounts Receivable, $5,000 Business Income from Dependent Properties, $10,000 Business Personal Property in Storage
- Coterie Insurance offers janitorial bond availability
- Coterie Insurance offers broad GL that covers damage to client premises during after-hours access
- Online quoting available — agents can get cleaning services quotes without calling underwriting
Limitations
- 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
- Crime scene and biohazard cleanup typically excluded from standard GL programs
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