JAN-PRO

The January 2026 Jan-Pro Unit Franchise Agreement (Section 14.1) requires commercial general liability at $1,000,000 per occurrence / $2,000,000 aggregate with no care-custody-control exclusion; automobile liability at $1,000,000 covering owned, hired, and non-owned vehicles; workers' compensation at the greater of $100,000 or the state minimum; and a janitorial bond of at least $50,000. Jan-Pro Franchising International, Inc. and your regional franchise developer must be named as additional insureds on a primary and non-contributory basis, through a carrier rated A or better by A.M. Best, with 30 days' written notice of cancellation.

No. As a unit franchisee you are an independent business. The regional developer's insurance covers the regional developer. Jan-Pro's corporate coverage covers Jan-Pro. Your work, your crew, and your accounts run against your own general liability, crime, workers' compensation, and auto — named to your entity and maintained by you.

A janitorial bond is a fidelity instrument that typically pays only after an employee is criminally convicted of theft, then seeks reimbursement from your business. A third-party crime policy pays without a criminal conviction and does not claw the money back. Keep the bond your agreement requires, but carry the crime policy as the coverage that answers the real claim — the accusation with no conviction.

A Loss Discovered crime form covers theft found during the policy period no matter when the theft occurred. A loss-sustained form covers only theft that both happened and was discovered in the same term. Commercial cleaning theft tends to be a slow pattern discovered after an employee leaves or after a client reviews records. Loss Discovered is the form that responds to that pattern. Request it by name when buying or renewing your crime policy.

Rarely. A single commercial account can have significant cash, equipment, or valuable property on site. The FDD minimum of $50,000 is a compliance floor, not a real-world coverage limit. Rikor's benchmark for commercial janitorial crime coverage is $250,000 in third-party crime coverage on a Loss Discovered form, scalable based on your account mix.

It should, because the Jan-Pro agreement prohibits the care-custody-control exclusion that standard policies use to deny such claims. Confirm your actual policy complies and that the limit fits the buildings you clean. The Business Protection Program's optional Care, Custody and Control and Extended Property Damage coverages are also relevant for high-value or sensitive commercial spaces.

A 1099 cleaner who cannot show her own workers' compensation and general liability certificate is treated as your employee at your year-end audit. Her pay is added to your exposure base and charged premium accordingly. That bill arrives as a lump sum. Collect a current certificate from every 1099 cleaner before she starts.

The FDD does not require it, but you should carry it. A high-turnover commercial cleaning workforce cycling across accounts produces wrongful-termination, discrimination, and wage claims. The FDD leaves that exposure entirely uncovered. Rikor recommends standalone EPLI starting at $250,000, scaling with headcount and revenue.

A complete program for a commercial janitorial unit with two to six employees — general liability, auto, workers' compensation, a third-party crime policy, and EPLI — commonly runs $6,500 to $12,000 per year. Both general liability and workers' compensation are trued up at a year-end audit based on actual revenue and payroll. The Item 7 estimate of $1,000–$3,000 is an initial or upfront payment, not the full annual cost.

Yes. Workers' compensation covers injuries your employees suffer on the job, including injuries that happen at a client's building. The injury location does not change the workers' compensation obligation. What matters is that the worker's payroll is included in your WC policy and that the policy was active at the time of the injury.