That packet is normal. Lenders and servicers managing REO inventory push their own risk requirements down to the vendors who go inside the properties, and the paperwork is heavier than what a private landlord asks for.
What those items mean in plain terms. General liability covers damage or injury you cause at the job, and commercial clients commonly ask for limits well above what a small cleaning outfit carries by default. Hired and non-owned auto covers vehicles you don't own but use for work, including a crew member's pickup or a rented box truck, which matters a lot in this trade because so many people start by renting. An additional insured endorsement names the client on your policy so they get defended under it too. A waiver of subrogation stops your insurer from turning around and suing them to recover what it paid out.
Workers compensation is the one to sort out carefully, because whether you're required to carry it, and at what employee count, is set state by state, and most commercial clients require it regardless of what the state minimum says. Talk to a licensed agent who writes commercial policies rather than personal lines.
The piece people miss until it bites: hauling itself can be regulated separately from cleaning. A number of states and counties require registration as a solid waste hauler or transporter, and some transfer stations won't open a commercial account without it. Check the rules where you'll be dumping before you promise a start date, and get the client's requirements as a written list so your agent quotes once instead of three times.
