- Licensed in MD, PA, VA, OH and FL
- Electronic bond delivery when available
If a customer, property manager, or contract asked you for a janitorial bond or business service bond, send us what they gave you. We’ll tell you what the coverage is, what the requirement asks for, and what we need for a quote.
A janitorial bond, also called a business service bond, is generally employee dishonesty coverage. It is designed to reimburse a customer for covered losses caused by a dishonest act, such as theft, by the contractor’s employee while working at the customer’s location.
No. General liability insurance covers certain claims for property damage or injury. A janitorial bond is aimed at dishonest acts by employees, such as theft.
Many customers ask for both. Having one does not satisfy the other, and we can help you sort out what the contract requires.
Commercial property managers, building owners, offices, and homeowners can ask a service company to show it has this coverage. It is common for cleaning, maid, and other service businesses whose employees work inside customers’ premises.
The customer or contract decides what coverage and limit it wants. Ask for it in writing and send it to us.
Programs differ. The coverage limit, which employees are covered, whether the customer is named, and what counts as a covered loss all depend on the program and its terms.
Read the program terms and compare them with your customer’s requirement before you buy.
You pay a premium for the coverage. The premium depends on the coverage limit, the number of employees, the services you provide, your claims history, and the company issuing the coverage.
We cannot give a price until we know what your customer requires and about your business.
It depends on the program. Some programs use limited underwriting, and others ask for more information about the business, its screening practices, and its claims history.
If you have had a claim or your business is new, tell us up front. Options can differ.
Send us your customer’s requirement and basic business information. The most useful items are:
It depends. Straightforward programs can often be handled quickly when the requirement and business information are clear. A higher limit or more detailed underwriting can take longer.
If a contract is waiting on proof of coverage, tell us the date when you apply.
If this is not the bond you were asked for, these pages may help.
The requirement usually comes from your customer or contract, not from the state. Some local governments and public contracts set their own requirements.
Send us the customer’s letter, contract language, or bond requirement. We’ll tell you what the coverage involves and what we need next.
The Bond Agent | 3655A Old Court Rd, Suite 13 | Baltimore, MD 21208
