Janitorial Firms Insurance

Abram Interstate Insurance Services, Inc. provides a focused Janitorial Firms Insurance program that helps agents place coverage for cleaning and janitorial service providers. As a Managing General Agency with access to multiple non-admitted carriers, Abram Interstate delivers flexible underwriting solutions for the risks janitorial businesses face in commercial, residential, and industrial settings. The program is built to address common operational exposures while giving agents options for accounts that may be hard to place in admitted markets.

This program is designed for independent agents representing professional janitorial and cleaning firms, including:

• Commercial office cleaners
• Residential cleaning services
• Industrial and warehouse janitorial providers
• Day porters and night cleaning crews

Abram Interstate prefers accounts with prior experience, documented safety programs, and signed contracts. The program can consider both established businesses and select new ventures when underwriting information is sufficient. Typical exclusions or restrictions may apply for high-risk operations (e.g., hazardous waste cleanup, large-scale floor stripping with flammable solvents) — consult underwriting for specific account-level guidance.

Example fits: you might place a small commercial cleaning contractor with multi-site office contracts and a written safety plan, or a medium-sized warehouse janitorial firm that requires contractually mandated limits and lost-key coverage.

The Janitorial Firms Insurance program offers core coverages and select enhancements tailored to cleaning operations. Available coverages include:

• General Liability – protection for third-party bodily injury and property damage claims
• Lost Key Coverage – addresses the cost to replace locks or rekey when keys are lost or stolen

Depending on the insured’s operations and underwriting review, additional endorsements or higher limits may be available. The program is intended to help your clients protect their reputation, satisfy contract requirements, and manage common operational risks found in janitorial work.

Minimum premiums vary based on account size, class of business, operations, and loss history. Abram Interstate’s underwriting team evaluates each submission to tailor pricing and coverage. As a non-admitted program, it provides flexibility to structure solutions for accounts that may not fit admitted markets; however, underwriting will consider experience modification, loss runs, employee training, and contract language when assessing risk.

This program is currently available to agents writing risks located in Arizona, California, and Nevada (AZ, CA, NV). Agents in these states can submit accounts through Abram Interstate to access non-admitted capacity and specialized underwriting for janitorial exposures.

Abram Interstate Insurance Services, Inc. brings specialty commercial program experience and responsive underwriting geared to niche markets. Agents benefit from:

• Access to multiple non-admitted carriers for greater placement flexibility
• Underwriters familiar with cleaning-industry exposures and contractual requirements
• Support placing both routine janitorial accounts and more complex or hard-to-place risks

If you have a janitorial client with unique operations, high contractual limits, or prior losses that make placement difficult, Abram Interstate can often provide practical options. Use this program when you need flexible coverages, experienced underwriting, and a partner focused on specialty commercial accounts.