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
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