Insurance for Janitorial Services

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Janitorial Services Image of Janitor

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Commercial Lines
1-4 Family Dwelling
Apartments
Artisan Contractors
Barber / Nail / Beauty Shop
Builder's Risk
Childcare Centers
Clothing Stores
Convenience, Deli & Grocery
Concessionaires / Vendors
Contractor’s Equipment
Distributors
Electronic Stores
Fitness Centers
Games and Entertainment
Janitorial Services
Land Leased to Others
Lawn Care Services
Laundromats
Lessor’s Risk Only
Liquor Stores
Mainstreet Mercantile
Mobile Home Parks
Office Risks
Pet Care
Residential Condo Unit Owners
Truckers
Vacant Building
Vacant Land
Umbrella / Excess Liability

Liquor Liability
Catering Plus
Fine Dining
Monoline Liquor
Bar & Restaurant
Convenience / Liquor Stores
Hole in One / Longshot
Special Event
Wedding Plus

Nonprofit Package
Arts and Culture
Community Associations
Condo Mini
Directors and Officers
Fraternal Club
Houses of Worship
Non Profit Premises Preferred
Social Services
Special Events
Specialty Non Profit Package
Youth Sports Organizations

Personal Lines
Comprehensive Personal
Condo & Renters
Dwelling Package
Excess Comprehensive
Excess Personal Auto
Excess Personal Umbrella
Excess Watercraft
Home Based Business
Farm & Ranch Umbrella
Personal Umbrella Celebrity Personal Umbrella Preferred
Umbrella High Risk Drivers

Professional Lines
Allied Healthcare PL & GL
Community Associations
Corporate Directors & Officers
Crime / Community Associations
Cyber Liability & Data Security+
Employment Practices Liability
Medical Providers EPL
Personal Lines Agents PL
Property Managers
Public Officials
Real Estate Agents
Specified Professions
Technology Professionals
Technology Micro Professional

Insurance for Janitorial Services

Our Janitorial Services coverage cleans up the competition and provides comprehensive coverage for the unique exposures faced by today’s janitorial service contractors. All coverages are provided by a single policy.

Ineligible Janitorial Services

Please note we cannot offer coverage to the following:

  • Handles infectious waste or hazardous materials
  • Involves insurance claim response, water removal/extraction, mold remediation or hood/duct cleaning
  • Performs cleaning operations at mercantile establishments while open for business
  • Services performed in AK, LA or WV
  • Operations involving painting, plumbing, carpentry or other “handyman” operations

Available Coverage for Janitorial Services

  • Commercial general liability, property and inland marine
  • Broad additional coverages vital to a janitorial service available
  • Contractor’s equipment floater
  • Rental reimbursement for damaged equipment
  • Lost key coverage
  • Property damage extension
  • Blanket additional insured available for commercial janitorial contractors
  • Independent contractor (up to 25 percent of total receipts)

Coverage Limits Available for Janitorial Services

  • General liability (up to) $1,000,000 per occurrence/2,000,000 aggregate
  • Contractor’s equipment floater with a blanket limit of $10,000, $2,500 for any one item and a $500 deductible
  • Rental reimbursement $250 per day and up to $5,000 for any one day loss
  • Lost key coverage up to $25,000
  • Property damage of $5,000 for each occurrence / $25,000 aggregate
  • Additional limits up to $5,000,000 are available
  • Coastal areas up to $500,000 excluding wind and hail
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Claim Example for Janitorial Services

Janitorial Services Cleaning Cart

Bodily Injury: The insured is a janitorial subcontractor who was contracted to perform janitorial services to a chain of supermarkets. The janitorial employee was cleaning the floor prior to the store opening for the day. A delivery person walked into the store and slipped on a wet floor breaking his hip. The insured was found negligent for not placing a warning “slippery when wet” sign and proper warning cones around the area being mopped. The claimant incurred medical bills of $32,000 and eighteen months of lost wages. He filed a lawsuit against the building owner who joined the insured janitor as a co-defendant in the lawsuit. The policy provided coverage for the lawsuit and contributed $250,000 to a $500,000 claim settlement.

Property Damage: The insured was transporting a carpet- cleaning machine to a client’s apartment suite and the machine leaked oil onto the marble tile floor and oriental rugs in the apartment main lobby. The policy covered the clean-up and restoration costs to the floor and rugs.

Contractors Equipment Floater: The insured kept a piece of his equipment in the hallway of his client during the day. One afternoon a fire occurred in the hallway that destroyed the insured’s vacuum cleaner. The insured filed a claim to replace the vacuum for $2,200.

Rental Reimbursement: The insured used a specialized piece of waxing equipment to clean his client’s floors. One of his employees forgot to place the machine back into his car trunk and backed over it when pulling out of the client’s parking lot. The insured needed to lease a machine until his could be repaired. He was reimbursed $1,500 for the rental.

Property Damage Extension: The insured’s employee was using a steel wool scrubber on a client’s custom shower door. This action resulted in multiple scratches in the door that could not be removed, requiring replacement of the shower door. The cost to replace the door was $1,200. The policy provides coverage for this claim.

Property Damage Extension: One of the insured’s employees was dusting a client’s bookshelf and accidentally knocked over and broke a vase. The vase required replacement due to the insured’s negligence. The incurred loss totaled $475.

Lost Key: The insured kept all of his client’s keys on one key and lost the key ring requiring him now to pay the cost to replace all the locks at each of each client’s premises totaling $3,500.

Employee Theft of a Customer’s Property: A part-time employee of a cleaning service stole a watch and wedding ring from a customer while cleaning their residence. The cost to replace the watch and ring was $8,000.

You must be an appointed Hull & Company retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with Hull. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your Hull & Company representative.