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Overview — Tangram Commercial Janitorial & Building Services Package Tangram Insurance Services offers a competitive, industry-focused package for commercial janitorial and building services businesses. The Tangram Janitorial and Building Services Package is built to address the common exposures faced by cleaning, painting, carpet & upholstery, and general building services contractors. Every quote includes a loaded coverage package so your clients receive broad protection without the need to add numerous endorsements. Coverage Included The program combines primary property and liability protections with several specialty coverages useful to this class: General Liability Property Inland Marine (tools & equipment, transit) Crime (including Employee Dishonesty) Worksite Pollution Liability Automobile Excess (follow-form available) Coverage Highlights and Advantages Admitted carrier capacity with an AM Best rating of A XII Loaded coverage package automatically included on every quote Blanket coverage for tools and equipment, plus transit and property off-premises Voluntary property damage and broad form property damage extensions Money & Securities and Accounts Receivable coverage up to $250,000 Business Income & Extra Expense with extension to dependent properties EDP coverage and Valuable Papers & Records Broad form additional insured wording and increased medical payments & personal injury limits Property damage coverage for property rented to the insured 24/7 claims handling and online reporting options Ideal Accounts and Appetite This program is targeted to agents placing small-to-mid-sized commercial cleaning and building services operations, including: Commercial janitorial contractors (office parks, retail, schools) Carpet and upholstery cleaning firms Interior painting and touch-up services Facility maintenance and building services providers Typical fits are accounts with routine commercial cleaning operations, owned or leased equipment, routine subcontracting, and standard auto exposures. Tangram’s underwriting looks for firms with reasonable loss histories and documented risk controls. What Typically Does Not Fit The program generally does not target high-hazard specialty contractors or operations that require licensed abatement, hazardous waste removal, extensive biohazard remediation, or high-rise rope access work. Large national contractors with complex contractual liabilities may require a different placement approach. Underwriting Notes & Submission Guidance Tangram underwrites and binds on behalf of top-rated admitted carriers. Underwriting will evaluate operations, payroll, revenue, prior losses, and risk control practices. Minimum premiums and specific underwriting requirements vary by state and account—please submit detailed applications and current loss runs for accurate terms. Commissions: 12% on Property, Inland Marine, GL, Auto & 10% on Follow-Form Excess. Billing: Direct bill with flexible installment plans available. Claims Handling: 24/7 claims handling and reporting with online fax and telephone reporting options. Territories and Availability This admitted program is available in AZ, CA, IL, MA, MO, NJ, NV, OR, PA, TX, and WA. Availability and specific coverages may vary by state—please consult underwriting on state-specific forms and extensions. Why Place Business with Tangram Tangram is a program manager with deep expertise in specialty program business. Their authority to underwrite and bind for A-rated admitted carriers, combined with industry-specific loss control tools ("Ask the Risk Manager"), gives agents a streamlined solution and a competitive placement option that is not widely available in the market. Tangram is a program manager with deep expertise and experience in program business. We have the authority to underwrite and bind business on behalf of top-rated carriers in niche segments. Our programs are not widely available in the marketplace and, therefore, provide our appointed brokers with a distinct competitive advantage. Please send your submissions to: [email protected] Example Accounts — From an Agent’s Perspective You might have a regional office-cleaning contractor with several service vans, owned carpet-cleaning equipment, and routine contracts with retail centers. This program would address GL, auto, tools & equipment, and transit exposure in a single admitted package. Or you may be placing a small facilities maintenance firm that provides interior painting, floor care, and scheduled cleaning services for commercial tenants. Tangram’s bundled property, liability, and business income options can simplify coverage. Frequently Asked Questions What types of janitorial and building services accounts are a good fit for this program?The program fits small- to mid-sized commercial janitorial firms, carpet/upholstery cleaners, interior painters, and general building services contractors with routine commercial exposures, reasonable loss histories, and standard auto needs. Which states is this program available in?Coverage through this admitted program is available in AZ, CA, IL, MA, MO, NJ, NV, OR, PA, TX, and WA. State-specific terms and forms may vary. What coverages are automatically included on every quote?Tangram includes a loaded package by default that combines General Liability, Property, Inland Marine, Crime, Worksite Pollution, Automobile, and Excess (follow-form available), plus common extensions such as blanket tools & equipment and transit. How should I submit a new account for consideration?Submit a completed application and current loss runs to Tangram’s underwriting team for review. Tangram requires operational details and loss history to provide accurate terms and will respond with admitted program options. Need help placing an account? Connect with a market specialist.