Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

When cleaning goes wrong | Janitorial Services Insurance Highlight

Published on September 7, 2017

wholesale insurance janitorial commercial california

Any time a business is going into other people’s spaces, you have inherently more risk involved. For janitorial services, they have exposures like any business owner that they need covered by insurance — General Liability, coverage for their equipment, etc. But then they operate not on their own property, but in other peoples homes, offices, and more. Wherever they go to clean, there is a chance that something will get damaged, someone will get hurt because of their services, and it takes only one accident, or one careless or malicious employee to put an entire janitorial company into a hot situation fast.
Which is why we at Abram Interstate carry a wholesale Janitorial Insurance Product specifically tailored to cover those company’s where they’re exposed.
Here are some ways our janitorial insurance product has covered insureds before:
  • 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.
  • 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.
Get them the Janitorial Insurance coverage they need. We’ll help.
Janitorial Insurance Product Highlights:
Coverages
  • Commercial General Liability, Property, and Inland Marine
  • Blanket Additional Insureds
  • Independent Contractors
Optional Coverages
  • Contractor’s Equipment Floater
    • $10,000 blanket limit
    • $2,500 any one item
    • $500 deductible
  • Rental Reimbursement For Damaged Equipment
    • $250 per day
    • $5,000 any one loss
  • Lost Key Coverage
    • $25,000 limit
  • Property Damage Extension
    • $5,000 each occurrence
    • $25,000 aggregate
  • Will Consider Floor Waxing Exposures up to 50%
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Or get a Phone Quote at 888-845-1626

Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas.

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