Source: Carrier website and product data
Selective Insurance: Cleaning Services Insurance Appetite
Selective Insurance can write cleaning services accounts but this is not a focus segment — best used when the account has other lines already placed with Selective Insurance 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
25 states (Northeast, Mid-Atlantic, Southeast, Midwest)
Key Features
- Business Owners Policy (BOP) covers cleaning services operations with Business liability insurance, Property damage coverage, Business interruption insurance
- Workers' comp for 5-40 employees with online quoting and pay-as-you-go billing
- Selective Insurance provides janitorial bond availability
- Selective 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
- Cleaning Services is not a target class for Selective Insurance — 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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