Insurance for construction cleanup and final clean crews.

General liability, workers’ comp, auto, and equipment coverage for crews who haul debris during a build and do the final clean before the owner moves in.

What construction cleanup companies usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Dump trailers and equipment
Hired and non-owned auto
Umbrella

Watch for these in a construction cleanup policy

Scratched finishesFinal cleans on new glass, fixtures, and floors bring scratch claims. Damage to the finished work you are cleaning can be excluded as property you are working on.
Rough versus final cleanDebris removal during a build is often rated as construction work, and the final clean as janitorial. The wrong class shows up at audit.
What is in the loadPaint, solvents, and treated wood mixed into debris can turn a haul into a pollution claim. The standard auto policy excludes spills of what you haul.
New homes and condosMany policies exclude work on new residential projects, which is most of the work for a builder’s cleanup crew. Check before you sign with a tract builder.

What GCs and builders ask construction cleanup companies for

Additional insuredGCs and builders, for ongoing and completed operations.
Waiver of subrogationOn general liability and workers’ comp.
Primary and noncontributoryYour policy answers first for claims from your crew.
Auto liabilityA set minimum on dump trucks and trailers that come on site.

Questions construction cleanup companies ask

Straight answers.

The questions we hear most, answered plainly.

Is construction cleanup the same as janitorial insurance?

Not quite. Debris removal during the build is usually rated as construction work, while the final clean may be rated as janitorial. Tell us both so the policy matches.

What if we scratch new windows during the final clean?

Scratch claims are common and costly. Coverage turns on how your policy treats property you are working on, so read that section before your next final clean.