Kinetic's janitorial appetite
Janitors and building cleaners frequently perform repetitive tasks and work in awkward postures, making strains, sprains, and tears the most common non-fatal injuries among the 2.4 million janitorial workers in the U.S.
Kinetic wraps safety technology, data-driven insights, and competitive pricing into every workers' comp policy to help your clients protect their essential employees.
Benefits of coverage for janitorial businesses
Tech-driven safety
Keep your clients ahead of workplace risks with smart safety tech built into every Kinetic policy.
Lower costs
Help your clients reduce their premiums on average 13% through optimized safety processes.
Specialized expertise
Industry experts, underwriters, and claims professionals deliver an exceptional, hands-on client experience.
Target 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, may consider Parcel with more than 2 years of prior workers comp coverage; 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).
Submission requirements
- 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)
