PreferredVerified Q1 2026
Source: Carrier website and product data
Pie Insurance: Cleaning Services Insurance Appetite
Pie Insurance explicitly targets janitorial & cleaning as a focus segment. Fully digital quoting and binding process – Pie 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 |
| Workers' Compensation |
Premium Range
$800-$3,600
Typical annual premium
Target States
37 states + DC
Key Features
- Business Owner’s Policy (BOP) covers cleaning services operations with Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance
- Workers' comp for 5-40 employees with online quoting and pay-as-you-go billing
- Pie 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
- 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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