PSB
PREMIUM SERVICE BRANDS
9 brands · Home service franchise family
PREMIUM SERVICE BRANDS
FRANCHISE
INSURANCE
Premium Service Brands operates in a corner of the home services market that most insurance conversations miss. Its brands don't serve the average home. They serve homes where property damage claims run higher, repair costs start at five figures, and the gap between what a franchise agreement requires and what a franchisee actually needs can cost more than a year of premiums.
Nine brands. Plumbing, cleaning, handyman services, window care, garage doors, grout restoration, kitchen and closet design, painting, and junk removal. Most share a standard GL floor of $1 million per occurrence. What they don't share is the exposure that lives above that floor — and in Premium Service Brands' target markets, that exposure is real.
The insurance review that works for a suburban window-cleaning franchise doesn't work the same way for a Window Gang operator serving a coastal market with $3 million homes in the route. The policy that covered a House Doctors handyman territory in its first year may not carry the completed operations sub-limits that territory needs in year three. The family name doesn't set the coverage standard. The brand FDD does. And the FDD, for most PSB brands, is a floor — not a ceiling.
Here is what Premium Service Brands' franchise agreements require. And here is where that requirement ends before your real exposure begins.
WHAT PREMIUM SERVICE BRANDS SHARE
Across all brands — verify specifics per FDD
General Liability
$1M per occurrence / $2M aggregate
Commercial Auto
$1M Combined Single Limit
Workers Compensation
Statutory Limits
Employers Liability
$1M / $1M / $1M
Completed Operations
Required Across All Brands
Additional Insured
Must Match Brand Entity
Verify per brand: Premium Service Brands does not use a single family-level additional insured entity. Each franchise agreement names a specific legal entity that must appear on the certificate of insurance. RooterMan, Maid Right, The Grout Medic, and other brands all have separate requirements.
ABOUT THIS FRANCHISE FAMILY
9 BRANDS. ONE FAMILY.
DIFFERENT INSURANCE EXPOSURES.
What Premium Service Brands requires of its franchisees
General liability is the consistent floor across all nine PSB brands: $1 million per occurrence, $2 million aggregate. Every active brand with a current FDD extraction in our system shows this requirement. RooterMan's 2025 FDD confirms it. Maid Right's 2025 FDD confirms it. 360° Painting, House Doctors, and The Grout Medic all land in the same place.
The additional insured requirement is where franchisees need to slow down. Premium Service Brands does not function as a single corporate parent for additional insured purposes. Each brand operates under its own legal entity, and each FDD names that entity specifically. RooterMan requires additional insured status for RooterMan Inc. Maid Right requires it for Maid Right, LLC. The Grout Medic requires it for The Grout Medic, LLC. Listing "Premium Service Brands" on a certificate of insurance does not satisfy any of these requirements. The certificate must name the correct brand entity or it is technically non-compliant on the date it is issued.
Commercial auto at $1 million combined single limit is standard across the service brands in this family. Workers' compensation follows state statutory limits for every brand. For employers' liability — the coverage layer above statutory WC — Rikor's benchmark across all PSB trades is $1 million per accident, $1 million disease per employee, and $1 million disease policy limit. This is not always explicitly stated in every PSB FDD. It should be in every PSB policy.
Completed operations coverage is required across all PSB brands, but the sub-limit question varies by trade. For plumbing (RooterMan) and painting (360° Painting), completed operations exposure extends beyond the job date. For kitchen design and installation (Kitchen Wise & Closet Wise), tile and grout restoration (The Grout Medic), and garage door installation (ProLift Garage Doors), the tail risk is structural — a failed installation claim can surface 18 to 36 months after the work was done.
FDD extractions are pending for ProLift Garage Doors and Kitchen Wise & Closet Wise. Requirements shown for those brands reflect Rikor's benchmark for their respective trades.
Requirements diverge between PSB's service brands and its installation brands. RooterMan and Window Gang carry service and material exposure. House Doctors, Kitchen Wise & Closet Wise, and ProLift Garage Doors carry structural modification exposure. Each brand's full requirements are covered in its individual article below.
How Premium Service Brands insurance requirements vary by brand
The clearest fault line inside Premium Service Brands is between brands that provide recurring service and brands that modify a home. Maid Right and Window Gang send crews to a home regularly — the exposure is consistent and bounded by what they touch. House Doctors, Kitchen Wise & Closet Wise, and ProLift Garage Doors change something structural. A cabinet installation, a garage door replacement, a countertop resurface — these create completed operations tail risk that does not expire when the crew drives away.
That distinction matters because most general liability policies bundle the completed operations aggregate with the general aggregate. For a recurring service brand, that is usually adequate. For an installation brand operating in high-value residential markets, a $2 million general aggregate is a shared pool. One significant completed operations claim can deplete it — and if the claim arrives in month ten of the policy year, there is nothing left for the next loss.
360° Painting adds another dimension. Interior painting in premium homes means working on finishes, fixtures, and surfaces that do not carry replacement costs typical in standard residential work. A paint spill in a $2.5 million home with custom millwork is not the same exposure as a paint spill in a builder-grade home. The property damage limit that looks adequate at program inception may not match the actual job mix the franchisee is running.
What Premium Service Brands franchisees get wrong about insurance
The additional insured entity error is where PSB franchisees lose compliance without realizing it. The family has nine active brands. Each one has its own legal entity as the named additional insured in its franchise agreement. RooterMan requires RooterMan Inc. Maid Right requires Maid Right, LLC. The Grout Medic requires The Grout Medic, LLC. A franchisee who holds two PSB brands and copies the certificate from one to the other creates a non-compliant COI for the second brand on the day they send it. The error is invisible until someone checks — and the audit window at grand opening is exactly when someone checks.
The completed operations sub-limit gap is the second error, and it is specific to PSB's installation brands. House Doctors, Kitchen Wise & Closet Wise, ProLift Garage Doors, and The Grout Medic all perform work that modifies a home's physical condition. Most policies issued to these franchisees at program inception have completed operations included within the general aggregate — not as a separate sub-limit. In high-value residential markets, that means a single completed operations claim can consume a large share of available coverage capacity before the policy year ends. An endorsed completed operations sub-limit of $1 million is available from most commercial carriers and costs less than most franchisees assume. It is absent from most PSB policies that Rikor reviews at onboarding.
The third error is property damage undervaluation. Premium Service Brands operates in markets where the homes are worth more and the contents are worth more. A painting job on a custom kitchen with hand-painted cabinetry carries more property damage exposure than the same job in a standard build. A window cleaning crew working on a home with specialty glazing or historic windows carries glass breakage exposure that standard GL sub-limits may not cover. Franchisees in coastal markets, resort markets, and high-income suburban corridors need their policy limits calibrated to their actual job mix — not to the median home value in their state.
What does Premium Service Brands franchise insurance cost?
For brands where 2025 FDD Item 7 figures are available, the annual insurance estimate ranges reflect early-stage franchise costs — typically first-year operations at lower revenue. Real costs grow with revenue because GL premiums for service businesses are often audited against actual sales or payroll.
RooterMan's 2025 FDD Item 7 does not break out insurance separately from other operating expenses in a way that produces a clean annual range. Industry benchmark for a single-territory plumbing franchise: $4,500 to $9,500 annually at startup, increasing as revenue grows.
Maid Right and Window Gang operate in cleaning and exterior service categories where GL exposure is lower per job but frequency is higher. Insurance cost benchmark for these trades at single-territory startup: $2,800 to $5,500 annually.
Painting franchisees (360° Painting) carry property damage exposure that is higher per job than cleaning. Single-territory benchmark at startup: $3,500 to $7,500 annually. Add completed operations sub-limit coverage and that range moves $1,200 to $2,400 higher.
House Doctors and Kitchen Wise & Closet Wise sit in the handyman and renovation category, where the completed operations tail makes insurance cost a function not just of current revenue but of accumulated prior work. Year one costs run $3,800 to $7,000. By year three, the completed operations exposure is three years deep and the renewal conversation is different.
Item 7 figures consistently understate insurance costs for PSB brands by 20 to 40 percent. The reason is timing: FDDs are drafted using early-stage cost estimates that don't account for premium growth driven by revenue audits, expanded trade endorsements, or the completed operations sub-limits that experienced operators add after their first renewal.
Claim Scenario: Completed operations claim — high-value kitchen installation
A House Doctors franchisee completed a kitchen backsplash and tile work project for a client in a coastal market. The work passed inspection. The franchisee collected final payment and moved to the next job. Fourteen months later, the client filed a property damage claim: moisture had penetrated behind the tile installation and caused $47,000 in water damage to the subfloor and adjacent cabinetry.
The franchisee's general liability policy had a $2 million general aggregate, with completed operations included within that aggregate — no separate sub-limit. By the time the claim arrived, the franchisee had used $1.4 million of the general aggregate on three other claims during the policy year. The completed operations claim settled for $47,000 but left $553,000 in aggregate capacity for the final two months of the year. The franchise was operating in a market where the average project value made a second completed operations claim plausible. A standalone completed operations sub-limit of $1 million would have cost approximately $1,800 at renewal. It was not on the policy.
TRADE CATEGORIES IN THIS FAMILY
Plumbing
1 Brand
Painting
1 Brand
Cleaning
1 Brand
Handyman / Remodeling
2 Brands
Windows & Exterior
1 Brand
Tile & Grout
1 Brand
Garage Doors
1 Brand
Junk Removal
1 Brand
ALL BRANDS GUIDES
FIND YOUR BRAND'S
INSURANCE REQUIREMENTS
Live guides are built from the actual FDD — exact entity names, exact limits, real claim scenarios. In-development guides show the brand is in our queue.
CLEANING
·
PREMIUM SERVICE BRANDS
FDD 2025
MAID RIGHT
Your phone rings on a Thursday afternoon. A longtime client says something went missing during Tuesday's clean — a prescription bottle from the medicine cabinet. She is not certain. She is not calm. She wants to know what you are going to do about it.
GL | $1,000,000 / $2,000,000 · Occurrence |
Auto | As required by state law |
WC EL | $500,000 (FDD minimum) |
Entity | Maid Right, LLC (Delaware | 126 Garrett Street, Suite J, Charlottesville, VA 22902) |
FREQUENTLY ASKED
QUESTIONS ABOUT
PREMIUM SERVICE BRANDS
DOES PREMIUM SERVICE BRANDS HAVE A STANDARD INSURANCE REQUIREMENT ACROSS ALL ITS BRANDS?
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The GL floor is consistent — $1 million per occurrence, $2 million aggregate across active brands. Beyond that floor, requirements diverge by brand based on trade, the specific FDD version in effect, and the legal entity named for additional insured status. A unified PSB-level policy does not exist. Each brand requires separate verification against its own FDD.
WHO IS THE ADDITIONAL INSURED ON A PREMIUM SERVICE BRANDS FRANCHISE AGREEMENT?
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Each brand designates its own legal entity. RooterMan requires RooterMan Inc. Maid Right requires Maid Right, LLC. The Grout Medic requires The Grout Medic, LLC. Listing "Premium Service Brands" or the family parent on a certificate does not satisfy any individual brand's requirement. Confirm the exact entity from your specific brand's current FDD before issuing any certificate.
CAN I USE THE SAME POLICY FOR TWO DIFFERENT PREMIUM SERVICE BRANDS BRANDS?
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The same carrier can often accommodate multiple brands on related policies, but the policy structure must account for each brand separately — different trade codes, different entity names for additional insured endorsements, and potentially different completed operations sub-limits if one brand is a service brand and the other is an installation brand. A single policy built for Maid Right will not properly cover House Doctors without material modifications.
DOES PREMIUM SERVICE BRANDS REQUIRE COMPLETED OPERATIONS COVERAGE?
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Yes, across all brands. The more important question is whether the completed operations coverage is within the general aggregate or endorsed as a separate sub-limit. For installation brands (House Doctors, Kitchen Wise & Closet Wise, ProLift Garage Doors, The Grout Medic), a separate completed operations sub-limit is worth the additional premium, especially in high-value residential markets.
WHAT HAPPENS WHEN I EXPAND INTO A SECOND PREMIUM SERVICE BRANDS BRAND?
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Your current policy needs to be reviewed before you sign the second FDD — not after. Each new brand adds a different legal entity requirement, potentially a different trade code, and possibly a different GL exposure profile. A policy built for one PSB brand will have gaps for a second brand that operates in a different trade. The time to identify those gaps is before grand opening, not when the first COI request comes in from the new franchisor.
WHY DOES THE FDD INSURANCE ESTIMATE SEEM LOW COMPARED TO MY ACTUAL QUOTE?
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Item 7 insurance figures are set during FDD preparation, typically using first-year cost estimates at minimum operations. Your actual premium reflects your actual revenue, your payroll, your trade classification, and the coverage lines you carry. For audited policies — GL with sales base or WC with payroll base — the Item 7 figure is a deposit estimate. The final cost is determined at year-end audit. Expect a 20 to 40 percent gap between Item 7 and your real first-year cost.
DOES PREMIUM SERVICE BRANDS VERIFY MY COI BEFORE MY GRAND OPENING?
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Yes. COI compliance is enforced at signing and typically required before the first day of training or operations. The entity name on the certificate, the limit floors, and the additional insured endorsement form are all checked. A certificate that names the wrong entity or carries limits below the FDD floor will delay your opening.
WHAT IS THE DIFFERENCE BETWEEN WHAT PREMIUM SERVICE BRANDS REQUIRES AND WHAT I ACTUALLY NEED?
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The franchise agreement was written to protect the franchisor's system. It ensures the brand entity is named as additional insured and sets a minimum GL floor. It does not ensure that your completed operations sub-limit is large enough for the market you're operating in. It does not ensure your property damage exposure is calibrated to the actual value of the homes you're working in. Compliance answers the FDD's question. Protection answers the question of whether your investment is covered.
DO PREMIUM SERVICE BRANDS FRANCHISEES IN HIGHER-END MARKETS NEED DIFFERENT COVERAGE THAN THOSE IN STANDARD MARKETS?
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The FDD floor is the same regardless of market. But the exposure is not. A painting franchise operating in a market with $1.5 million average home values carries higher per-job property damage exposure than the same brand in a $400,000 average market. The additional insured entity requirement doesn't change. The risk does. The policy conversation should reflect where your jobs actually happen — not just the FDD minimum that applies to every franchisee in the system.
WHAT TO VERIFY BEFORE YOUR PREMIUM SERVICE BRANDS COVERAGE IS FINAL
Before a Premium Service Brands certificate of insurance goes anywhere, verify six things in order. First, confirm the correct legal entity name for your specific brand — not the family name, not a related entity, but the exact legal entity in your signed franchise agreement. Second, verify your GL limits meet your brand's FDD floor and reflect your actual operation size, not just the first-year estimate. Third, check that your workers' compensation class code matches your actual trade — a handyman franchise and a cleaning franchise classify differently, and the wrong code creates audit exposure at year end. Fourth, confirm your completed operations coverage — determine whether it sits within the general aggregate or carries its own sub-limit, and match that decision to the type of work you're doing and the markets you're in. Fifth, verify your additional insured endorsement is an occurrence-based form — a blanket endorsement may not satisfy the brand's FDD requirement. Sixth, pull your Item 7 estimate and set it next to your actual quote — expect a gap, and understand what that gap means for your operating budget in year one and year two.If any of those six items surface a question, the answer is in the brand article for your specific PSB brand, linked above.
WADE MILLWARD, CIC
Founder & CEO · Rikor Insurance
Wade Millward has spent 18 years specializing in franchise insurance. He holds the Certified Insurance Counselor (CIC) designation and has reviewed hundreds of franchise disclosure documents across home service, food service, and commercial franchise verticals. He has built coverage programs for Authority Brands franchisees across electrical, HVAC, plumbing, and restoration trades.