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Home / Industries / Commercial facilities services

Commercial facilities service company insurance

Facilities service companies work inside other people's buildings every day. Slip-and-fall claims, damage to client property and employee dishonesty are the routine risks, and national property managers set strict insurance requirements for every site.

Facilities technicians inspecting rooftop HVAC equipment

Our approach

We place facilities maintenance insurance for building maintenance, janitorial, HVAC service, landscaping and integrated facility management firms that need one program to cover many client sites.

Exposures we plan around

  • Slip-and-fall claims after cleaning or maintenance
  • Damage to client buildings and equipment
  • Employee theft from client premises
  • Strict multi-site contract insurance requirements
  • Mobile crews, service vehicles and hired autos

Coverage in a typical program

General liabilityBlanket additional insured for clients
Third-party crime bondsEmployee theft from client premises
Commercial autoOwned, hired and non-owned vehicles
Workers' compensationMulti-state where needed
Employment practicesHiring, wage and harassment claims
Umbrella & excessLimits for national property managers

Frequently asked questions

What insurance do facility management contracts usually require?

Commonly $1 million general liability, $1 million auto, statutory workers' comp, an umbrella, and a third-party crime bond, with additional insured, primary and noncontributory, and waiver of subrogation endorsements.

Is employee theft from a client covered by my crime policy?

Only if it includes third-party (client) coverage. Standard employee dishonesty coverage protects your own property, not your client's.

Can one policy cover all of our client sites?

Yes. Blanket additional insured and blanket waiver endorsements let one program satisfy most contracts without endorsing every site individually.

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