Cleaning Contractors
Coverage for established cleaning contractors managing crews, subcontractors, and multiple active accounts. The right limits, the right endorsements, built around how your operation actually runs.
The jump from solo cleaner to contractor with multiple crews isn't just a revenue jump — it's an exposure jump most owners underestimate. Every additional crew is a separate group entering separate buildings, often unsupervised, often on a schedule tight enough that quality control happens after the fact rather than in real time. Your insurance program needs to reflect that you're managing risk across sites you personally never set foot in, not just risk from your own work.
$1M/$2M is the floor most solo cleaners start with. Once you're running multiple crews and multiple accounts, $2M/$4M is often the more realistic number — one incident tracing back to any one crew still exposes the whole business.
Once you're carrying employees rather than just yourself, most states require this — covering medical costs and lost wages for on-the-job injuries. Requirements can trigger with as few as one part-time employee depending on your state, so this isn't a "wait until we're bigger" decision. See what specifically triggers this in your state before you assume a general rule applies.
More crews means more individual people you haven't personally vetted walking into client facilities unsupervised. Bonding and dishonesty coverage that scaled fine for one crew often needs to scale with headcount — see our full breakdown of this exposure and we'll help you size it to your actual crew count, not your original quote from when you were smaller.
Many contractors fill gaps with subs during busy seasons or new-account ramp-up. Your policy needs to reflect what percentage of your work is subcontracted — carriers rate this differently than W-2 employee exposure.
Once you've got more than one vehicle moving supplies between accounts, this stops being optional. Personal auto policies exclude business use entirely — a fleet of even 2-3 vehicles needs its own commercial auto policy.
Running multiple accounts means multiple property managers each wanting their own certificate, sometimes on short notice when a new contract lands. Blanket additional insured and waiver of subrogation built into your policy means you're not calling your carrier every time a new account needs paperwork.
The policy that fit you at 3 accounts and 8 employees doesn't automatically fit you at 12 accounts and 30. We check in at renewal — sooner if you land a large contract — so your limits keep pace with what you're actually managing. Our cost page breaks down what account growth typically does to your premium.
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Related Coverage
FAQ
Requirements vary by state, but most states require workers comp once you have any W-2 employees. Some states require it even with one part-time employee. We'll help you understand requirements in the states where you operate.
Your policy needs to account for the percentage of your revenue that's subcontracted. You should also require your subs to carry their own GL and provide certificates. We can help you structure your coverage and sub requirements correctly.
It depends on the work you do. Many contractors working with large commercial accounts need $2M/$4M rather than the standard $1M/$2M. We'll look at your contract requirements and recommend the right limits.
Yes — a blanket additional insured endorsement automatically covers any property owner or manager you work for. You can issue certificates naming them without having to add each one individually.
You likely need hired and non-owned auto liability, which covers personal vehicles used for business purposes. Your employees' personal auto policies may not cover business use. We'll review your situation.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.