Janitorial &
Building Maintenance Insurance Program
Tailored
protection for janitorial businesses in one portfolio.
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The
Janitorial and Building Maintenance Services Insurance Program
provides outstanding protection for thousands of maintenance service businesses throughout
the United States.
Our comprehensive janitorial insurance program gives you the ability to
combine broad property, liability, commercial auto, bonds, workers
compensation and umbrella coverage with low preferred rates.
"All the coverage you need in one policy" |
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Policy & Coverage Highlights
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Commercial General Liability & Bonding
Limits |
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National A rated, Admitted Company |
Per Occurrence |
$100,000 to $10,000,000 |
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Preferred Rates - Immediate Quotes |
General Aggregate |
$200,000 to $10,000,000 |
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Monthly Payment Plan |
Products Aggregate |
$200,000 to $10,000,000 |
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24 / 7 Claims Service |
Personal Injury |
$100,000 to $10,000,000 |
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Immediate Certificates of
Insurance |
Medical Payment |
$5,000 |
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Lost Key Coverage |
Fire Legal |
$300,000 |
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Business Liability
- Our comprehensive
commercial liability policy offers coverage beyond the
industry standard. We have
enhanced this program specifically for your janitorial
service business. At no additional cost to you, our Janitors General Liability
policy includes unique coverage essential to those in your
industry. If your business is held legally liable for damage to
your client's property, this policy
will pay up to the full limit of the
policy…without a deductible. Included in our general liability
policy is coverage for claims arising from
the products you sell or the
services you complete. Our liability insurance protects you if you
are responsible for damage to the property
of others. We extend this
coverage to include borrowed equipment that’s damaged at your job site
while it is not being used.
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Voluntary Property Damage -
$2,000 per occurrence ($7,500 per year) for damage to property in your
care, custody and control |
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Additional Insureds
- If a written contract requires you to name
someone else as an additional insured on your policy, we’ll
automatically
extend that status to them. We will also provide them with
primary coverage if they require it of you. |
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Tools & Equipment Coverage
– protects you against a
loss concerning owned, borrowed, rented, or leased tools and equipment. |
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Lost Key Coverage
- $1,000 of coverage for any one occurrence ($2,500 per Year) for cost
to replace or re-key locks |
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Building and Structures
– covers materials, equipment, supplies,
additions, and new construction within 1,000 feet of premises. |
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Appurtenant Structures
included with building limit, 10% of building limit. Max $25,000. |
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Business Income and Extra Expense
– 12 months’ actual loss sustained; no waiting period; may be excluded
for premium credit. |
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Newly Acquired or Constructed Buildings
– $500,000 with 180 days to report;
no percentage limitation. |
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Business Crime -
Choose our enhanced program for janitorial services and we’ll protect
you against losses resulting from employee
dishonesty or forgeries.
We’ll also provide coverage for your money and securities on-premises
and in-transit. |
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EDP Equipment Coverage – a base
level of protection is built into the policy and includes the option to
increase the level or to schedule
high value items. |
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Glass Breakage –
full coverage; limited coverage ($500 pane/$1,000 occurrence) available
for premium credit; property
deductible can be eliminated as an option.
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Accounts Receivable Coverage
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protects you from
losses caused by damage to your records which prevents
you from collecting money
owed you by customers. |
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Outdoor Property – covers fences and
walls up to $2,500, may be increased up to $250,000; signs up to $5,000,
may be increased up to
$100,000; trees, shrubs, plants, and lawns up to
$10,000, $1,000 per item sub-limit. |
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Back-up of Sewers and Drains
– $5,000 for damage caused by water from sewer, drain or sump. |
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Tenants Property Damage
- $200,000 for legal liability property damage to premises rented to
you. |
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Fire Legal Liability
- $300,000 for leased premises |
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Optional Coverage:
Flexible Billing:
We offer several billing
options to make it easier on your budget!
- Lump Sum: 20% down
and receive a bill for the remaining balance in a month. We'll send
you one bill upon renewal.
- Semi-annual Payment:
50% down payment and 50% in six months.
- Four Payment: 25%
down and receive up to three installment bills.
- Ten Payment: 20%
down and pay premium by the end of the tenth month, with the
remaining premium spread throughout the nine monthly bills.
- Direct Bill Toll
Free Hotline
Visit our Janitorial Services Risk Management Section
Claims Service: 24
hours, 7 days a week toll-free Claim Action Hotline puts you in
immediate contact with a claim service representative, enabling you to
report claims quickly and efficiently. Prompt reporting helps mitigate
the risk of injury or damage and expedites claim handling.
Product eligibility:
Up to $15,000,000 combined building and
personal property values.
Up to $15,000,000 receipts per location.
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In a rush?
Call 800.874.9191 for an immediate quote. |
Endorsed by the International
Janitorial Cleaning Services Association
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NOTE: This product may not be available in all states.
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