Source: Carrier website and product data
Erie Insurance: Cleaning Services Insurance Appetite
Erie Insurance writes cleaning services at standard terms for clean 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 |
| Workers' Compensation |
| Commercial Auto |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
12 states: DC, IL, IN, KY, MD, NC, NY, OH, PA, TN, VA, WV, WI
Key Features
- ErieSecure Business® covers cleaning services operations with Guaranteed Replacement Cost (optional), Sewer or Drain Backup, Data Breach Response Expenses (add-on)
- Workers' comp for 5-40 employees with online quoting and pay-as-you-go billing
- Erie Insurance provides janitorial bond availability
- Erie Insurance provides 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
- 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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