Source: Carrier website and product data
The Hanover: Cleaning Services Insurance Appetite
The Hanover can write cleaning services accounts but this is not a focus segment — best used when the account has other lines already placed with The Hanover or when primary markets have declined. 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
All 50 states
Key Features
- Business Owner's Advantage (BOA) covers cleaning services operations with Loss of income and extra expense, Data breach coverage, Property insurance
- Workers' comp for 5-40 employees with online quoting and pay-as-you-go billing
- The Hanover 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
- Cleaning Services is not a target class for The Hanover — 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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