Janitorial for both residential and commercial accounts Insurance

Overview — Janitorial for both residential and commercial accounts Insurance (Gladius Insurance Services, LLC)

Gladius Insurance Services, LLC places janitorial accounts through an A-7 admitted carrier with appetite for both commercial and residential cleaning operations. This program is designed for independent agents and brokers who need a straightforward, competitively priced option for janitorial contractors — from single-owner house cleaning firms to multi-site commercial janitorial services.

Program Highlights

• Available in AZ, CA, OR and WA
• A-7 admitted carrier (Developers Surety and Indemnity)
• Minimum premiums: $1,000 MP for new residential builders / $750 MP for all other classes
• Limits available up to $2M / $4M
• Online rater****** for faster quoting and bind options
• Accepts both commercial janitorial and residential janitorial exposures

Ideal Accounts and Appetite

This program targets janitorial contractors and cleaning businesses with annual sales up to $6M. Ideal accounts include:

• Small to medium commercial janitorial firms providing office, retail, and multi-tenant cleaning services
• Residential cleaning businesses and house cleaners operating as contractors
• Mixed operations that perform both residential and commercial cleaning under the same business
• New ventures where the principals have approximately three years of relevant experience

Gladius is especially useful when you need admitted paper and competitive rates for typical janitorial exposures (slip-and-fall, property damage during cleaning, limited client premises operations).

Coverage Highlights and Advantages

• Admitted placement available through Developers Surety and Indemnity — helpful for agents seeking admitted limits.
• Higher limits available (up to $2M/4M) for accounts that require stronger liability protection.
• Flexible minimum premium structure to accommodate both builders/new residential projects and standard janitorial classes.
• Online rater speeds up quoting for straightforward risks and reduces turnaround time on small accounts.

Underwriting Notes and Minimum Premiums

• Annual sales must be $6M or less.
• New ventures considered when owners/operators have three years’ experience in the class.
• Loss history: no more than one liability loss in the last three years.
• Contractors engaged in residential projects should be targeting projects under $1.5M.
• Minimum premiums: $1,000 for general contractors (new residential builders) and $750 for other eligible classes.

Ineligible Classes / Common Declines

The following classes are not eligible for this program and should be submitted elsewhere:

• Blasting operations
• Residential plumbers
• Framers
• Roofers
• Excavators/graders
• Construction managers

Territories and Admission

This admitted program is available in Arizona, California, Oregon and Washington. It is placed through an admitted A-7 carrier, which can be advantageous for clients who prefer admitted coverage and state-specific policy forms.

Why Place Janitorial Business with Gladius Insurance Services, LLC?

• Specialized underwriting for janitorial classes with competitive pricing.
• Admitted carrier access through Developers Surety and Indemnity for markets that require admitted paper.
• Online rater to accelerate quotes on routine risks and reduce back-and-forth underwriting.
• Clear eligibility guidelines that let you quickly screen accounts before submission.

Example Scenarios

• You have a two-person residential cleaning business with $120K annual sales and clean loss history — this program can provide admitted liability coverage with a $750 minimum premium and fast online quoting.
• You represent a commercial janitorial firm servicing office parks with $1.2M in revenue and no recent liability losses — Gladius can offer admitted limits up to $2M/4M to meet contract requirements.

For agents: use the online rater for quick quotes on standard janitorial risks, and refer to the underwriting notes above when preparing submissions for more complex or higher-limit accounts.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.