Owning a janitorial company means being trusted to keep spaces clean and presentable — but running the business itself can get messy without the right protection. Novatae Risk Group offers a specialized General Liability Insurance program built specifically for janitorial and cleaning contractors, helping agents place coverage that goes beyond standard policies.
This program, underwritten through Empire Underwriters, is tailored to meet the common risks of janitorial operations. Whether your client handles residential or commercial cleaning, this product includes valuable enhancements designed for the industry. From slip-and-fall exposures to property damage while on the job site, the coverage is structured to respond to the real-world claims janitorial businesses face.
Ideal Accounts and Market Focus:
This program is geared toward small to medium-sized janitorial companies with annual payrolls under $1,000,000. It’s a strong fit for:
- Residential cleaning services
- Commercial janitorial contractors
You might have a client who services office buildings, apartment complexes, or residential homes — if their payroll is under $1 million, this program is designed to help you place them quickly and competitively.
Coverage Highlights:
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate
- Limited Subsidence coverage
- Limited Prior Projects coverage
These enhancements help your clients meet contract requirements and reduce potential gaps in protection, especially for janitorial contractors working in commercial settings.
Underwriting Requirements and Minimum Premium:
- Completed ACORD applications
- 3–5 years of currently valued loss runs
- Supplemental application specific to janitorial risks
- Pollution – Project Specific Application (if applicable)
Minimum premiums start at $1,500, making this program an accessible option for smaller operations needing dependable liability coverage.
Available Territories:
This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV.
Coverage is written through both admitted and non-admitted carriers, including markets rated as high as A-XV, ensuring flexibility and financial strength.
Why Work With Novatae Risk Group
As a leading wholesale broker, Novatae Risk Group provides agents with access to niche programs and experienced underwriters who understand the unique exposures in the janitorial sector. This program is not a one-size-fits-all solution — it’s designed with cleaning contractors in mind, offering competitive terms and responsive support.
Do you need a General Liability Insurance quote for your janitorial account?
Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Let Novatae help you protect your cleaning clients with the right coverage.
Frequently Asked Questions
What types of janitorial businesses are eligible for this program?
The program is ideal for small to mid-sized residential and commercial janitorial contractors with annual payrolls under $1 million.
Is this program available in my state?
This product is offered in most states, including CA, TX, FL, GA, NJ, and many others. Contact us to confirm availability in your client's location.
Are there any coverage enhancements included?
Yes, the program includes features such as Blanket Additional Insured, Waiver of Subrogation, and Per Project Aggregate, among others.
What documents are needed to submit an account?
Submissions should include ACORD applications, 3–5 years of current loss runs, a supplemental application, and a pollution-specific application if applicable.
What is the minimum premium for this coverage?
The minimum premium starts at $1,500, making it suitable for smaller janitorial operations seeking comprehensive liability coverage.
Need help placing an account? Connect with a market specialist.