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A cleaning subcontractor agreement is created between an individual or business that provides cleaning services and a residential or commercial cleaner hired to work as a subcontractor. Companies may choose subcontractors over full-time staff to save money, but subcontractors are paid a higher rate to cover expenses like health insurance. Subcontractors must file their own taxes as federal and state taxes are not withheld. Subcontractors are typically divided into residential and commercial cleaners.