StandardVerified Q1 2026
Source: Carrier website and product data
Kinsale Capital: Cleaning Services Insurance Appetite
Kinsale Capital 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 |
| Commercial Auto |
Premium Range
$2,300-$14,400
Typical annual premium
Target States
All 50 states + DC
Key Features
- Small Business covers cleaning services operations with ISO Occurrence coverage form, $10M excess capacity available through Excess Casualty Division
- Kinsale Capital provides janitorial bond availability
- Kinsale Capital 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
- 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
- High-rise exterior window cleaning requires specialized coverage not available in standard BOP
Compare Other Carriers for Cleaning Services
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CNAStandard
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NEXT InsurancePreferred
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The HartfordPreferred
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AcuityStandard
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Erie InsuranceStandard
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biBERKPreferred
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BTISStandard
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Pie InsurancePreferred
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NationwideStandard
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Liberty MutualStandard
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ChubbLimited
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The HanoverLimited
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Auto-Owners InsuranceStandard
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MarkelPreferred
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Selective InsuranceLimited
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InsureonPreferred
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