A class Coterie knows well

On Coterie’s own Top 100 classes list from December 2025, Janitorial Services is ranked #8. In other words, this is a business type Coterie actively writes.

Where claims come from

Watch for slippery floors after mopping, damaged furnishings and fixtures, and a lost or misused key. Clients see your crew as a liability risk in their building, and certificates are often part of the contract. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

Two ways to protect the business

General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

Business owner’s policy (BOP): A BOP protects your supplies and machines and adds business income. Bundling everything in one policy keeps renewals and certificates simple.

Appetite notes for this class

Coterie writes interior and exterior building cleaning, but not vehicle washing or detailing over half of operations or crime scene cleanup. General eligibility: up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K), and no prior cancellations or non-renewals.

The service side

Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

Coverage is subject to underwriting and availability.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina janitorial services.