U.S. Risk Insurance Group, Inc., through its partnership with an A-rated carrier, offers a competitive Workers Compensation solution tailored for janitorial service providers. This program is designed to support agents and brokers seeking reliable and flexible coverage options for their janitorial clients, including new ventures and accounts transitioning from Professional Employer Organizations (PEOs).
Ideal Accounts and Appetite
This program targets a wide range of janitorial service operations, including commercial cleaning companies, office maintenance crews, and building service contractors. Eligible accounts include:
- New ventures with no prior coverage
- Businesses exiting or carving out from PEOs
- Operations with 24-hour shift work (when no other exposures exist)
Accounts with domestic, aviation, or federal exposures are ineligible, as are those with a history of bankruptcy or tax liens.
Coverage Highlights and Advantages
- Admitted Workers Compensation coverage available in all applicable states
- Guaranteed cost and dividend plan options (dividend plans available in Florida)
- Access to online loss runs for efficient claims tracking
- No maximum on experience mods
- Flexible payment options including UPAY-As-You-Go, direct billing, and monthly self-reporting with a 5% non-working deposit
Group transportation is permitted with a cap of five employees per vehicle. Height and depth exposures are limited to no more than 20 feet or two stories above ground and no more than 6 feet below ground.
Underwriting Notes and Minimum Premiums
- Minimum premium of $3,000; no maximum premium limit
- Accounts with a lapse in coverage must be referred to underwriting
- PEO carve-outs require loss history, a signed PEO/client contract with an amendment, and a labor endorsement
Whether your client is a startup janitorial business or an established operator transitioning from a PEO, this program is built to provide the right structure and support for their Workers Compensation needs.
Territories and Availability
This program is available in most U.S. states, including but not limited to TX, FL, CA, NY, and IL. Coverage is admitted in all available states. However, California and Oklahoma are limited to incidental exposures and cannot be governing states.
Why Work With U.S. Risk Insurance Group?
As a Managing General Agency with deep expertise in niche programs, U.S. Risk brings underwriting flexibility and market access that can help you place a wide variety of janitorial risks. With responsive service, competitive pricing structures, and tools like online loss run access and pay-as-you-go billing, U.S. Risk is a reliable partner for growing your Workers Compensation book in this sector.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Janitorial service businesses, including new ventures and those coming out of PEO arrangements, are ideal candidates. Operations must meet underwriting guidelines regarding height, depth, and employee transport limits.
Are new janitorial businesses eligible?
Yes, new ventures are eligible for coverage under this program, provided they meet other underwriting criteria.
What documentation is required for clients exiting a PEO?
You’ll need to provide the client’s loss history, a signed PEO/client contract and amendment, and a labor endorsement to be considered for coverage.
Is 24-hour shift work allowed?
Yes, 24-hour shift work is eligible as long as it is the only exposure. Other high-risk exposures may disqualify the account.
Which states have restrictions?
California and Oklahoma are limited to incidental exposures only and cannot be the governing state for the policy.
Need help placing an account? Connect with a market specialist.