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Colonial General Insurance Agency, Inc.
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Colonial General Insurance Agency, Inc.
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Janitorial Insurance

Policy Highlights:
 
Colonial General Insurance Agency, Inc. offers a comprehensive Janitorial Insurance program designed to meet the specific needs of janitorial service providers. With access to both admitted and non-admitted markets, Colonial General helps agents place hard-to-insure or niche 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 services
  • Window cleaning businesses
  • Crime scene cleanup services
Please note: This program is not intended for businesses focused on debris removal operations.

Coverage Highlights and Advantages

Commercial General Liability:
  • Primary limits up to $3,000,000 Occurrence / Aggregate
  • $5,000 Medical Payments Coverage — Included
  • Blanket Additional Insured Endorsement — Included
  • Lost Key Coverage — $25,000 limit included
  • Property Damage Extension (Care, Custody, and Control) — Limits up to $250,000 Occurrence / Aggregate
  • Excess or Umbrella Limits — Up to $25,000,000 available
  • No deductible required
Crime Coverage:
  • Theft of money and securities inside the premises
  • Robbery or safe burglary of other property
  • Losses occurring outside the premises
Property Coverage:
  • Building, Contents, and Computer Equipment
  • Contractor’s Equipment and Equipment Breakdown
  • Business Income and Accounts Receivable
  • Valuable Papers and Outside Signs
  • Basic, Broad, or Special Form available
  • Replacement Cost or Actual Cash Value (ACV)
  • Inland Marine options for mobile equipment

Underwriting Notes

Submissions are evaluated based on operations, territory, loss history, and risk management practices. Colonial General works closely with brokers to identify eligible accounts and streamline the quoting process. Minimum premium requirements may apply depending on the market and coverage lines selected.

Territories and Availability

This janitorial insurance program is available to licensed agents and brokers in the following states:
  • Arizona (AZ)
  • California (CA)
  • Colorado (CO)
  • Idaho (ID)
  • Nevada (NV)
  • New Mexico (NM)
  • Utah (UT)
  • Wyoming (WY)
Some markets are admitted, while others are written on a non-admitted basis depending on 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 specifically in niche commercial programs like janitorial services. Agents benefit from:
  • Competitive coverage options from various carriers
  • Flexible mono-line or package solutions
  • Strong appetite for specialty cleaning operations
  • Responsive underwriting support and service
Whether you have a new venture client or an established janitorial contractor expanding services, Colonial General can help you secure the right protection to meet their unique liability and property 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 within the program are admitted, while others are non-admitted depending on the state and risk profile.

Can I write just liability or property coverage?

Yes, the program offers both mono-line and package policy options to suit your client's needs.

What is included in the general liability coverage?

The GL coverage includes up to $3M limits, medical payments, blanket additional insured endorsement, lost key coverage, and property damage extension under 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.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    A.M. Best A+ Rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

8475 E. Hartford Drive, 100
Scottsdale, AZ 85255
855-980-7480
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APPLICATIONS

AGENCY LICENSING

If you would like to become contracted with Colonial General, please fill out the agency agreement below and provide a copy of your license and E&O declaration page.

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Colonial General Insurance Agency, Inc. has other insurance programs like Accountants Professional Insurance.