Janitorial Insurance Program Overview
Agents Insurance Markets, Inc. (AIM) offers a focused Janitorial Insurance program for agents placing cleaning and janitorial risks in North Carolina and Virginia, with capacity that also writes in Washington, D.C. With more than 30 years insuring contractors, AIM provides access to flexible, market-driven solutions through experienced underwriters and non-admitted markets. This program is built for independent agents who need practical, quickly-bindable options for residential, multi-family, and commercial cleaning operations.
Ideal Accounts and Eligible Classes
This program is appropriate for a broad range of janitorial and cleaning contractors, including:
- Residential cleaning services (single-family and condos)
- Apartment and multi-family building cleaning
- Office and commercial building cleaning
- Light floor waxing and refinishing (submit heavier exposures)
- Window cleaning (submit if work above three stories)
Whether the insured is a sole proprietor with a homeowner’s van or a growing crew serving multiple commercial accounts, AIM can help place the appropriate limits and endorsements.
Coverage Highlights and Advantages
The program includes coverages and options commonly requested by janitorial contractors:
- Commercial General Liability limits up to $5,000,000
- Excess Liability available for higher aggregate protection
- Property coverage with Property Enhancement Form
- Property floaters for tools, equipment, and portable supplies
- Additional Insured endorsements available for contract requirements
- Lost key coverage included at $5,000/$5,000 (higher limits available)
- Property damage extension included at $5,000/$5,000 (higher limits available)
- Damage to Premises Rented to You up to $100,000
- Medical Payments up to $5,000
- Occurrence Form available
These features are designed to address common exposures for cleaning businesses—from customer property damage and slip-and-fall incidents to theft or loss of tools and keys.
Underwriting Notes
AIM places this business through a panel of non-admitted carriers, which gives underwriters flexibility on terms and limits. There is no single published minimum premium; AIM offers low minimums depending on the account profile and market selected. Provide clear details on payroll, receipts, subcontractor usage, and loss history to speed placement.
Risks with heavier operations require additional review. Specifically:
- Submit accounts with heavy floor stripping/waxing or industrial floor work for underwriting review.
- Submit window cleaning when work is performed above three stories.
Available States
This program is available to agents placing business in:
- North Carolina (NC)
- Virginia (VA)
- Washington, D.C. (DC)
Why Work With Agents Insurance Markets, Inc.
AIM is a Managing General Agency that specializes in contractor classes. Agents benefit from AIM’s deep contractor underwriting experience, established carrier relationships, and responsive placement service. AIM can help you match accounts to market appetite, add required endorsements, and bind quickly on routine risks—so you can retain and grow janitorial clients with confidence.
Example scenarios that typically fit this program:
- A sole-proprietor residential cleaner with limited payroll and basic equipment who needs general liability and a small property floater.
- A regional commercial cleaner servicing office buildings looking for higher limits, property floaters for equipment, and additional insured endorsements for client contracts.
Frequently Asked Questions
What types of janitorial businesses are eligible for this program?
We accept a range of janitorial operations including residential cleaning, apartment and multi-family cleaning, office and commercial cleaning, and light floor waxing or window cleaning (heavy floor work and window work over three stories require underwriting review).
Is this program admitted or non-admitted?
This program is offered through non-admitted markets, which allows us to tailor coverage and terms for varied risk profiles.
What are the general liability limits available?
General liability limits are available up to $5,000,000, and excess liability is available for accounts that need higher limits.
Do you require special underwriting for high-risk operations?
Yes. Submit risks involving heavy floor stripping/waxing or window cleaning above three stories for detailed underwriting review and potential restrictions.
Which states is this program available in?
This program writes business in North Carolina, Virginia, and Washington, D.C.
Need help placing an account? Connect with a market specialist.