Overview — Tangram Commercial Janitorial & Building Services Package
Tangram Insurance Services offers a competitive, industry-focused package for commercial janitorial and building services businesses. The Tangram Janitorial and Building Services Package is built to address the common exposures faced by cleaning, painting, carpet & upholstery, and general building services contractors. Every quote includes a loaded coverage package so your clients receive broad protection without the need to add numerous endorsements.
Coverage Included
The program combines primary property and liability protections with several specialty coverages useful to this class:
- General Liability
- Property
- Inland Marine (tools & equipment, transit)
- Crime (including Employee Dishonesty)
- Worksite Pollution Liability
- Automobile
- Excess (follow-form available)
Coverage Highlights and Advantages
- Admitted carrier capacity with an AM Best rating of A XII
- Loaded coverage package automatically included on every quote
- Blanket coverage for tools and equipment, plus transit and property off-premises
- Voluntary property damage and broad form property damage extensions
- Money & Securities and Accounts Receivable coverage up to $250,000
- Business Income & Extra Expense with extension to dependent properties
- EDP coverage and Valuable Papers & Records
- Broad form additional insured wording and increased medical payments & personal injury limits
- Property damage coverage for property rented to the insured
- 24/7 claims handling and online reporting options
Ideal Accounts and Appetite
This program is targeted to agents placing small-to-mid-sized commercial cleaning and building services operations, including:
- Commercial janitorial contractors (office parks, retail, schools)
- Carpet and upholstery cleaning firms
- Interior painting and touch-up services
- Facility maintenance and building services providers
Typical fits are accounts with routine commercial cleaning operations, owned or leased equipment, routine subcontracting, and standard auto exposures. Tangram’s underwriting looks for firms with reasonable loss histories and documented risk controls.
What Typically Does Not Fit
The program generally does not target high-hazard specialty contractors or operations that require licensed abatement, hazardous waste removal, extensive biohazard remediation, or high-rise rope access work. Large national contractors with complex contractual liabilities may require a different placement approach.
Underwriting Notes & Submission Guidance
Tangram underwrites and binds on behalf of top-rated admitted carriers. Underwriting will evaluate operations, payroll, revenue, prior losses, and risk control practices. Minimum premiums and specific underwriting requirements vary by state and account—please submit detailed applications and current loss runs for accurate terms.
Commissions: 12% on Property, Inland Marine, GL, Auto & 10% on Follow-Form Excess.
Billing: Direct bill with flexible installment plans available.
Claims Handling: 24/7 claims handling and reporting with online fax and telephone reporting options.
Territories and Availability
This admitted program is available in AZ, CA, IL, MA, MO, NJ, NV, OR, PA, TX, and WA. Availability and specific coverages may vary by state—please consult underwriting on state-specific forms and extensions.
Why Place Business with Tangram
Tangram is a program manager with deep expertise in specialty program business. Their authority to underwrite and bind for A-rated admitted carriers, combined with industry-specific loss control tools ("Ask the Risk Manager"), gives agents a streamlined solution and a competitive placement option that is not widely available in the market.
Tangram is a program manager with deep expertise and experience in program business. We have the authority to underwrite and bind business on behalf of top-rated carriers in niche segments. Our programs are not widely available in the marketplace and, therefore, provide our appointed brokers with a distinct competitive advantage.
Please send your submissions to: [email protected]
Example Accounts — From an Agent’s Perspective
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You might have a regional office-cleaning contractor with several service vans, owned carpet-cleaning equipment, and routine contracts with retail centers. This program would address GL, auto, tools & equipment, and transit exposure in a single admitted package.
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Or you may be placing a small facilities maintenance firm that provides interior painting, floor care, and scheduled cleaning services for commercial tenants. Tangram’s bundled property, liability, and business income options can simplify coverage.