1. At-a-glance coverage
| Policy | Carrier | Limits |
|---|---|---|
| Commercial General Liability (CGL) | [verify carrier] | $1,000,000 per occurrence / $2,000,000 aggregate (placeholder) |
| Workers' Compensation | [verify carrier] | Statutory (Fla. Stat. § 440.10) |
| Commercial Auto | [verify carrier] | $1,000,000 CSL (placeholder) |
| Janitorial / Cleaner Surety Bond | [verify bond company] | $25,000 (placeholder) |
2. Commercial General Liability
Our CGL policy covers third-party bodily injury, property damage, and personal / advertising injury arising from our operations. This is the policy we use to settle accidental property damage claims that exceed the per-item employee cap described in our Warranty & Damage Protocol.
3. Workers' Compensation
Florida Statutes § 440.10 requires all non-construction employers with four or more employees to carry workers' compensation insurance. Go Green Organic Clean LLC carries workers' comp coverage for every W-2 cleaner on our roster. This protects the cleaner in the event of a work-related injury and protects the customer by ensuring the cleaner cannot bring a premises-liability suit against the homeowner for a work-related injury.
4. Commercial Auto
Company-owned vehicles (branded Priuses / vans) are covered under a commercial auto policy. Cleaners who drive personal vehicles on company business are covered by non-owned auto endorsements to the CGL policy. Proof of coverage is maintained with each vehicle.
5. Janitorial / Cleaner surety bond
A janitorial-services surety bond (also called a "janitorial bond" or "employee dishonesty bond") covers acts of theft by a bonded employee during service. Our bond is $25,000 per occurrence (placeholder) through [verify bond company]. If a covered theft occurs, the customer files a claim with the surety after local law enforcement issues a report.
6. Umbrella / excess
For commercial and HOA customers that require higher aggregate limits, we carry (or can endorse) an umbrella policy up to [verify amount]. Specific project-based higher limits are available by request.
7. Certificate of Insurance (COI)
Commercial customers, property managers, HOAs, and short-term rental platforms commonly require a COI naming them as additional insured and/or certificate holder. To request a COI:
- Email coi@gogreenorganicclean.com with the requesting entity's legal name, mailing address, and any specific endorsements required (e.g., "Additional Insured — Ongoing Operations").
- We route the request to our insurance broker who issues the COI within 2 business days, usually same-day.
- The COI is emailed directly to the requester from the broker.
8. If you need to file a claim
Start with our Warranty & Damage Protocol. Most claims are resolved within 14 business days and do not require a formal insurance filing.
For larger claims (> $500), we involve our CGL carrier. You do not file directly with our carrier — contact claims@gogreenorganicclean.com or call (941) 271-7948 and we coordinate.
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