Source: Carrier website and product data
Insureon: Cleaning Services Insurance Appetite
Insureon explicitly targets cleaning services as a focus segment. As a marketplace, Insureon can access multiple carrier panels — helpful when the cleaning services account has unusual exposures that standard markets decline. 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
All 50 states + DC
Key Features
- General Liability Insurance covers cleaning services operations bundling GL, property, and business income
- Workers' comp for 5-40 employees with experience mod-based pricing
- Insureon offers janitorial bond availability
- Insureon offers pay-as-you-go workers' comp for seasonal staffing fluctuations
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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$2,300-$14,400
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