Janitorial Contractors Insurance Program from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. offers a focused insurance package for janitorial and cleaning-service contractors. Designed for agents and brokers, this wholesale program consolidates essential liability and property protections into a single policy form and is placed through United States Liability Insurance Group on a non-admitted basis. The result: flexible solutions and competitive terms for standard janitorial operations across a broad set of states.
Ideal Accounts and Target Classes
This program targets small to mid-sized janitorial contractors working in commercial, residential, and light industrial settings. It’s a good fit when operations are routine, staff are trained, and written contracts are used. Typical accounts include:
- Independent janitorial contractors servicing commercial office buildings or retail locations
- Small residential cleaning businesses offering routine cleaning and light carpet or floor care
- Growing cleaning companies with multiple crews and use of employees’ personal vehicles for work
From an agent’s perspective: you can place clients who perform recurring office cleaning, post-construction touch-ups, common-area maintenance for multi-tenant buildings, or specialty floor care (non-hazardous). Accounts with frequent heavy industrial cleaning, hazardous waste handling, or a poor loss record are typically out of appetite.
Coverage Highlights and Advantages
The package combines general liability and property protections with options tailored to mobile cleaning businesses. Key features include:
- Property coverage for buildings (if applicable) and business personal property
- Tools and equipment coverage — essential for crews who transport vacuums, buffers, and other gear
- Lost key coverage — helps mitigate rekeying and lock replacement costs when keys are misplaced during service
- Non-owned auto liability — covers employees using personal vehicles for company business
- Coverage for property of others in the insured’s care, custody, or control
- Commercial umbrella available to increase liability limits where needed
Underwriting Considerations
This is a non-admitted program placed through United States Liability Insurance Group. Submissions are assessed individually with emphasis on loss history, documented employee training, use of written contracts, and controls around keys and customer property. Risks with frequent or severe prior losses, high-hazard cleaning operations (e.g., hazardous materials abatement), or inadequate employee screening and supervision are less likely to qualify.
There is no public minimum premium listed; underwriting will consider account size, exposures, and controls when pricing. Present clear information about operations, crew size, payroll, vehicle use, equipment values, and any safety programs to speed placement.
Available States
Bailey Special Risks can place this janitorial program in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY.
Why Work with Bailey Special Risks, Inc.?
As a wholesale broker with decades of specialty market experience, Bailey Special Risks helps producers place niche commercial accounts efficiently. Their underwriting team focuses on pragmatic risk controls and practical coverages for janitorial operations, and their access to United States Liability Insurance Group gives agents a stable non-admitted option when admitted markets are limited. Producers benefit from targeted appetite, responsive underwriters, and packages that address the mobile and property risks common to cleaning contractors.
Frequently Asked Questions
What types of accounts are a good fit for this janitorial contractor program?
Small to mid-sized janitorial businesses that perform commercial, residential, or light industrial cleaning with a clean loss history and documented employee procedures are ideal.
Is this program available on an admitted basis?
No. This program is non-admitted and is written through United States Liability Insurance Group.
What coverages are included in the package?
The program combines general liability and property coverage with options for tools and equipment, lost key coverage, non-owned auto liability, property of others, and commercial umbrella limits.
Are there any specific exclusions or risks that are not eligible?
High-hazard industrial cleaning, operations with poor or frequent losses, or accounts lacking employee controls and written contracts may be ineligible. Each submission is reviewed on its own merits.
In which states is this program available?
This program is available in 36 states including CA, FL, TX, NY, IL and many others listed above. Contact Bailey Special Risks for specific state availability and submission requirements.
Need help placing an account? Connect with a market specialist.