Expertise. Solution. Service.
MAXIMUM’s Janitorial Services program is a specialized offering for agents and brokers placing commercial and residential cleaning businesses. As a wholesale broker with admitted markets in most states, MAXIMUM delivers flexible, customizable solutions you can use to place janitorial accounts with confidence. The program is designed for businesses from startups to multi-employee operations and can be tailored to fit an insured’s risk profile and budget.
Ideal Accounts and Appetite
This program is targeted toward:
Example: You might have a client who provides janitorial services for office buildings and supplements their work with occasional window and carpet cleaning—this would be an ideal fit for MAXIMUM’s program.
Coverage Highlights and Advantages
MAXIMUM’s Janitorial Services program bundles essential protections and optional enhancements so you can give clients robust, marketable packages:
Program strengths:
- Rated by number of workers — no annual payroll/premium audits
- Coverage flexibility to match different risk tolerances and budgets
- Optional blanket additional insured endorsement
- Ability to include building and/or contents coverage
- Access to value-added services such as HR resources, background checks, identity theft protection, and marketing support
- Underwriting appetite for new ventures and accounts with recent losses (subject to review)
Underwriting Notes
Key deductible and underwriting points:
Typical ineligible risks include:
Territories and Availability
This admitted program is available in most states. Representative available states include: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WI, WY. It is not available in Alaska, Louisiana, or West Virginia.
Why Work With MAXIMUM?
MAXIMUM specializes in niche commercial programs and offers underwriting expertise, admitted market access, and responsive service. When you place janitorial business through MAXIMUM you benefit from:
- Access to admitted markets in most states for regulatory comfort and wider placement options
- Underwriting flexibility for new ventures and accounts with challenging histories
- Customizable coverage structures to meet a range of client needs
- Dedicated support through the placement process and value-added services to help clients reduce loss frequency
We settle for nothing less than the right choices for our clients and support you in placing suitable janitorial risks with confidence.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this placement process.
Frequently Asked Questions
What types of accounts are a good fit for MAXIMUM’s Janitorial Services program?
Ideal accounts are commercial and residential janitorial providers with up to 20 employees, limited subcontracting, and modest ancillary services such as carpet or window cleaning.
Can new janitorial businesses qualify for this program?
Yes. MAXIMUM will consider new ventures, including those without an established loss history, subject to standard underwriting review.
Is this program available on an admitted basis?
Yes. The program is admitted in most states, which helps with compliance and simplifies placement for many accounts.
What are common coverage options included?
Common options include general liability, employee theft, contractors’ equipment, lost key coverage, excess liability, and property coverage—many of which can be adjusted to meet client needs.
Are there states where this program is not available?
Yes. The program is not available in Alaska, Louisiana, or West Virginia.
Need help placing an account? Connect with a market specialist.