New Jersey, NJ Janitorial and Cleaning Contractors Insurance 

The Franchino Agency specialized in insurance for New Jersey Contractors, especially JANITORIAL CLEANING CONTRACTORS, OFFICE CLEANING CONTRACTORS, RESIDENTIAL CLEANING CONTRACTORS, HOME CLEANING CONTRACTORS, JANITORS, WINDOW CEANERS, WINDOW WASHERS, etc.

This agency current insures many contractors in New Jersey. We can provide General Liability alone or in a package that includes tools coverage, equipment, supplies, installation floaters, commercial automobile, commercial umbrella, etc.

General liability limits are available in the amounts of: $500,000. or $1,000,000. One million coverage is almost always chosen because the difference is very little.

We prefer to write the contractor who does mostly interior cleaning.  Window washing should be limited to mostly interior and exterior no higher than three stories.  Limited use of pressure washers.

Here is are two typical GENERAL LIABILITY packages for a one-person operation. If you are interested, please call.

Quote #1

• $500,000 — bodily injury and property damage combined, per occurrence premises and operations, other than completed operations
• $1,000,000 — bodily injury & property damage, combined, aggregate
• $500,000 — products and completed operations
• $1,000,000 — products and completed operations aggregate
• $100,000 — legal liability
• $10,000 — medical payments to other than employee

$518. annual premium

Quote #2

• $1,000,000 — bodily injury and property damage combined, per occurrence* premises and operations, other than completed operations
• $3,000,000 — bodily injury & property damage, combined, aggregate*
• $1,000,000 — products and completed operations
• $3,000,000 — products and completed operations aggregate*
• $100,000 — legal liability
• $10,000 — medical payments to other than employee

$536. annual premium

Add $150. for tool & equipment coverage

*occurrence mean limit per claim
*aggregate means limit per year

Learn about:

• NJ HOME IMPROVEMENT CONTRACTOR REGISTRATION LAW
• LIABILITY INSURANCE FOR CONTRACTORS

Get a Quotation

If you would like an exact quotation for your business print out our JANITORIAL - CLEANING CONTRACTOR SURVEY FORM, complete it, then fax it to us for a no-obligation quotation.

Janitorial Contractor Service Bond 

This type of bond protects your client from the theft or destruction of their property by your employees and/or youself.

These bonds cover the damages should clients be able to prove that a member of the cleaning staff has stolen or destroyed something of value to the client. 

If you have five or less employees to cost of a $10,000. bond is only $115. a year. or $170. for a $25,000. bond.  Give us a call.  The application is simple and coverage can be bound very quickly!

Janitorial services companies, like construction companies, often need contract bonds (bid / performance bonds) in order to bid on a contract. This bond states that the cleaning company must provide the specific services outlined in the bid and the contract. Failure to perform such tasks can result in damages being paid to the client from the surety bonding company.  If a contract bonding line is in place, then a bid bond can be issued very quickly.  Please call if you are interested.  Cost is only $100. a year for a contract bonding line.

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(We don't write roofers, home inspectors, or any contractor who sub-contracts out most of their work to other contractors)