Documents Needed to Get a House Cleaning Business Insurance Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
When applying for house cleaning business insurance, having the right documents ready can save time and ensure you receive an accurate quote. Insurance providers rely on these documents to assess risk, verify your business, and calculate premiums.
Preparing ahead makes the process faster and helps you avoid delays caused by missing or incomplete information.
1. Business Identification Documents
Insurance providers need proof of your business’s legal standing:
Business license or registration – Shows your company is legally authorized to operate
Employer Identification Number (EIN) – Required for tax and business verification
Articles of Organization or Incorporation – For LLCs or corporations
These documents confirm your business identity and structure.
If your cleaning business has staff, insurers will request:
Employee list with job titles and responsibilities
Payroll information, including annual wages
Documentation for any subcontractors you hire
This information helps calculate workers’ compensation premiums and overall business liability.
3. Prior Insurance and Claims History
Insurance providers need details about your insurance background:
Previous insurance policies and coverage limits
Expiration dates of prior policies
Claims filed in the last 3–5 years
A clean claims history or evidence of risk management programs may reduce your premium.
4. Vehicle and Equipment Documentation
For cleaning businesses that use vehicles or specialized equipment:
Vehicle titles, registrations, and usage information
Driver details if vehicles are owned or leased by the company
Inventory lists of high-value tools, cleaning machines, or equipment
Providing this documentation ensures your quote accurately covers all assets.
5. Coverage Requirements
Clearly documenting the coverage you need helps insurers provide accurate quotes:
General liability limits for property damage or bodily injury
Workers’ compensation coverage for employees
Commercial auto coverage for business vehicles
Having coverage limits and preferences ready simplifies the quoting process.
Why Choose Wexford Insurance
Wexford Insurance specializes in cleaning business insurance and helps contractors gather all necessary documentation. They can:
Provide fast, accurate insurance quotes
Advise on required documents to avoid delays
Bundle policies to save money and simplify management
Ensure compliance with state insurance requirements
Request a cleaning business insurance quote from Wexford Insurance today and streamline the process.
