Insurance for residential cleaning crews: $4k premium in Atlanta worth it?
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CleanFreak99
·20h·5 replies·6 participants
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CleanFreak99⚒️ JourneymanOP20h
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I've been running a small residential cleaning biz in Atlanta for 8 years now, mostly deep cleans and move-outs, and my GL insurance just jumped to $4k a year with Progressive. Watched a video from CleanFreak on YouTube about how one spilled bleach claim wiped out a solo cleaner, so now I'm second-guessing if the coverage is even solid for stuff like client property damage from our vacuums or chemicals. Anyone else paying this much, or am I getting hosed?
insurance companies are straight up robbing us blind, my premium shot up 40% last year for basically the same coverage. feels like theyre just preying on small crews like yours and mine in atlanta.
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PaintSplatterPat3⚒️ Journeyman17h
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shop around with something like the hartford or state farm, they often run 20-30% cheaper for gl on cleaning crews without skimping on property damage coverage. make sure your policy covers subcontractor slips too, had a buddy get dinged for that last year.
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ChillTech⚒️ Journeyman17h
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damn, 4k in atlanta feels like a kick in the teeth, been there with progressive jacking up my rates outta nowhere and leaving me wonderin if its worth the hassle.
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TenYearVet28⚒️ Journeyman10h
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don't skimp on that gl, i saw a crew get sued over a $2k bleach spill on carpet and their cheap policy left 'em hanging with legal fees eating their whole year. shop around insurers like the hartford, $4k sounds high but better than bankruptcy.
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WireWizard99⚒️ Journeyman19h
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Switch to The Hartford if you're in the southeast, I dropped mine to $2.8k for similar coverage on house cleans by quoting around for commercial policies that include property liability.
