Insurance for janitorial services
Janitors and building cleaners often face repetitive tasks and awkward postures leading to strains, sprains, and tears. Kinetic's workers’ comp coverage helps your clients manage risks and protect their teams.
Why choose Kinetic for workers' comp
Smarter safety
Proactively prevent workplace injuries with smart safety tech built into every Kinetic policy.
Lower costs
Help your clients reduce their premiums, on average, by 13% with data-driven safety.
Specialized expertise
Deliver an exceptional, hands-on client experience with specialized industry expertise.
Target class codes for janitorial
We protect janitorial teams with tailored coverage for these class codes:
- 0917/9096 Residential Janitorial
- 9014/9008 Janitorial Services by Contractors
Janitorial exclusions
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No exterior window cleaning or work done above ground level
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No construction or criminal site clean up
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No hazardous material or biohazard clean up
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No mold remediation
- No gutter or chimney cleaning
General exclusions
No Aircraft exposure; No Mid-term business, unless they are coming out for PEO or Captive; No business with less than 3 years of prior workers comp coverage upon policy inception date; No 1099 Exposure greater than 40%; No risks coming out of a PEO, unless they have their own NCCI or state bureau ex-mod; No Staffing Agencies; No USL&H; No Jones Act; No Maritime Employers Liability; No Foreign Coverage; No Retroactive policies; No Large risk alternative rating option (LRARO).
Ready to submit?
Submitting is simple. Just ensure your submission includes:
- ACORD 130
- Industry supplemental application
- Ex-mod worksheet
- Current year and prior 3 years loss runs valued no more than 120 days prior to effective date
- Target pricing (if known)
