Ideal Accounts and Appetite
This program is ideal for commercial janitorial contractors involved in general cleaning services, window washing, interior construction make-ready operations, and even specialized services like crime scene cleanup. It is not intended for accounts primarily engaged in debris removal or demolition-related work.
Example accounts that may be a good fit include:
- A janitorial company that services office buildings and maintains a small fleet of floor waxing equipment.
- A cleaning contractor that provides post-construction interior cleanup and touch-ups before occupancy.
- A regional window cleaning company with multiple crews serving commercial buildings.
Coverage Highlights and Advantages
Janitorial Insurance coverage highlights include:
- Commercial general liability, property, and inland marine coverage
- Broad additional coverages tailored for janitorial operations:
- Contractor's equipment floater
- Rental reimbursement for damaged or out-of-service equipment
- Lost key coverage, addressing the cost of rekeying client locations
- Property damage extension
- Blanket additional insured endorsement available for commercial clients
- Support for independent contractors, up to 25% of total receipts
This program helps mitigate common risks such as:
- Accidental damage to client property during cleaning (e.g., countertop surface damage)
- Slip-and-fall liability after mopping or waxing floors
- Lost keys requiring lock replacements across multiple client sites
- Unexpected equipment failures requiring rental replacements
Underwriting Notes and Minimum Premiums
This is a non-admitted program with access to a variety of carriers through Cochrane & Company. Minimum premiums vary depending on account size, operations, location, and risk characteristics. Submissions should include detailed descriptions of services, revenue breakdowns, and prior loss history when available.
Territories and Availability
The Janitorial Insurance program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Cochrane & Company maintains regional expertise in these markets and understands the local challenges faced by janitorial service providers.
Why Work With Cochrane & Company?
As a trusted Managing General Agency with decades of experience, Cochrane & Company offers agents access to specialty programs and markets that are often difficult to place. Their Janitorial Insurance program is underwritten with real-world industry knowledge and supported by responsive service, competitive products, and flexible coverage options. Whether you’re placing a new account or looking to improve terms for an existing client, Cochrane & Company is a strong partner for this niche.
For more information regarding Janitorial Insurance, please contact us!
Frequently Asked Questions
What types of accounts are a good fit for this Janitorial Insurance program?
Commercial janitorial contractors performing general cleaning, window cleaning, interior construction prep, or crime scene cleanup are ideal. Accounts focused on debris removal are not eligible.
Does the program cover independent contractors?
Yes, independent contractors are allowed up to 25% of total receipts under this program.
Is this program available on an admitted basis?
No, this is a non-admitted program with coverage available through various markets.
In which states is the program available?
This program is currently offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
What types of additional coverages are included?
The program includes coverages such as equipment floaters, rental reimbursement, lost key coverage, and property damage extensions tailored to janitorial operations.
Need help placing an account? Connect with a market specialist.