PreferredVerified Q1 2026
Source: Carrier website and product data
The Hartford: Cleaning Services Insurance Appetite
The Hartford explicitly targets business services (includes auto repair, cleaning, moving companies) as a focus segment. 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
$2,300-$14,400
Typical annual premium
Target States
48 states + DC (excludes AK, HI)
Key Features
- Spectrum® Business Owner's Policy covers cleaning services operations with General Liability, Commercial Property, Business Income Insurance
- Workers' comp for 5-40 employees with online quoting and pay-as-you-go billing
- The Hartford offers janitorial bond availability
- The Hartford 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
- 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
Compare Other Carriers for Cleaning Services
Progressive CommercialPreferred
$2,000-$12,000
TravelersStandard
$2,300-$14,400
CNAStandard
$2,300-$14,400
HiscoxLimited
$3,000-$14,400
NEXT InsurancePreferred
$2,000-$12,000
EMPLOYERSLimited
$1,000-$3,600
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$12,000
biBERKPreferred
$2,000-$12,000
AmTrust FinancialStandard
$2,000-$12,000
BTISStandard
$2,000-$12,000
Pie InsurancePreferred
$800-$3,600
NationwideStandard
$2,300-$14,400
Liberty MutualStandard
$2,300-$14,400
ChubbLimited
$3,600-$18,000
Cincinnati FinancialLimited
$3,000-$14,400
The HanoverLimited
$3,000-$14,400
Auto-Owners InsuranceStandard
$2,000-$12,000
GUARD InsuranceStandard
$2,000-$12,000
MarkelPreferred
$2,300-$14,400
Coterie InsurancePreferred
$2,000-$12,000
Selective InsuranceLimited
$3,000-$14,400
Kinsale CapitalStandard
$2,300-$14,400
InsureonPreferred
$2,000-$12,000