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Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Janitorial Insurance program designed for janitorial service providers. With access to both admitted and non-admitted markets, Colonial General helps agents place hard-to-insure or niche janitorial accounts across the western U.S., including AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is tailored for small to mid-sized janitorial operations, including: Commercial office cleaning services Interior construction make-ready and post-construction cleaning crews Window cleaning businesses Crime scene and biohazard cleanup services Note: the program is not intended for businesses whose primary operation is debris removal. Coverage Highlights and Advantages Commercial General Liability: Primary limits available up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments — included Blanket Additional Insured endorsement — included Lost Key Coverage — $25,000 limit included Property Damage Extension (Care, Custody & Control) — limits up to $250,000 Occurrence / Aggregate Excess / Umbrella limits — up to $25,000,000 available No GL deductible required in many placements Crime Coverage: Theft of money and securities on premises Robbery or safe burglary of other property Losses occurring off premises Property Coverage: Building, contents, and computer equipment Contractor’s equipment and equipment breakdown coverage Business income and accounts receivable Valuable papers and outside signs Available on Basic, Broad, or Special forms Replacement Cost or Actual Cash Value (ACV) options Inland Marine options for mobile and specialty equipment Underwriting Notes Submissions are evaluated based on operations, territory, loss history, and risk management practices. Colonial General partners with brokers to identify appropriate markets and streamline quoting. Minimum premium requirements may apply depending on the carrier and lines selected. Providing clear details on operations, staffing, and recent loss history will help accelerate placement. Territories and Availability This janitorial insurance program is available to licensed agents and brokers in: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some carriers within the program write on an admitted basis, while others are non-admitted depending on the state and risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus lines broker, Colonial General brings deep market access and underwriting expertise for niche commercial programs like janitorial services. Agents benefit from: Competitive coverage options across admitted and E&S markets Flexible mono-line or package policy solutions A strong appetite for specialty cleaning operations, including biohazard and window cleaning exposures Responsive underwriting support and placement service Example scenarios you might place through this program: A regional office cleaning contractor seeking $2M general liability, lost key coverage, and inland marine for mobile floor machines. A small crime-scene cleanup business that needs GL, property for equipment, and crime coverage for on-premises cash handling. Whether you are placing a new venture or an established janitorial contractor expanding services, Colonial General can help you secure tailored protection to manage liability, property, and crime exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for janitorial service providers including commercial cleaners, window cleaning companies, interior construction prep crews, and crime scene cleanup businesses. Debris removal operations are not eligible. Is this program available on an admitted basis?Some markets in the program are admitted, while others are non-admitted; availability depends on the state and the risk profile. Can I write just liability or property coverage?Yes. The program supports both mono-line (liability or property) and package policy options to meet your client’s needs. What is included in the general liability coverage?GL coverage can include up to $3M limits, medical payments, blanket additional insured endorsement, lost key coverage, and a property damage extension for care, custody, and control. Which states is the program available in?Colonial General offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.