Janitorial & Property Maintenance
Comprehensive coverage for office maintenance, heavy-duty cleaning, and post-construction site cleanup.
Operational Risk Profile
Commercial facility maintenance and residential cleaning operations revolve around constant interaction with third-party environments. Operations face high-frequency slip-and-fall liability and severe property damage exposures. Because personnel operate unsupervised inside private homes and corporate facilities, businesses face significant risks related to employee dishonesty, breakage of high-value items, and building security breaches.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Commercial General Liability
Focused on premises liability to cover third-party injuries (such as wet-floor slip-and-falls) occurring during active cleaning operations.
Janitorial Services Bond (Third-Party Fidelity Bond)
Required to protect clients against financial loss resulting from employee theft or dishonesty while operating unsupervised on the client’s premises.
Care, Custody, and Control Endorsements
Necessary to extend standard general liability to cover accidental damage to the specific property being cleaned or maintained by the employee.
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