Overview of Tangram’s Commercial Janitorial & Building ServicesPackage Program

(Note: Intended For Broker Distribution – Not End Customers)

Program Carrier:Argonaut Insurance Company (A XII)

Available In:CA, AZ, OR, NV

Coverages and Commission Offered (Commissions Are Paid 100% Up Front):

  • Package(Property, GL & Inland Marine)12%
  • Automobile Liability & Physical Damage12%
  • Following Form Excess (With Limits Up to $5M) 10%

(Workers Compensation is not currently offered under the Program)

Competitive Coverage Advantages

  • General Liability Enhancements – All Included For A Competitive Single Premium Charge

Just A Few of the Coverage Extensions:

  • Voluntary Property Damage

Reimbursement coverage giving the insured the option to pay a client for damages caused by the

insured because of their work for the client. Limits: $5000 Per Claim / $10,000 Annual Limit

  • Broad Form Additional Insured - Primary Wording
  • Property Damage Liability Amendment – Borrowed Equipment and Customers Goods
  • Aggregate Limits – “Work Site”
  • Automatic Inclusion of Medical Payments - Limit $10,000
  • Products Recall - $100,000 Limit
  • Fire Legal - $300,000 Limit
  • Premises Maintenance Coverage Extension - Includes:
  • Loss Of Customers Keys: $25,000 Limit
  • Broad Form Property Damage: $150,000 Limit
  • Commercial Tools & Equipment:
  • $15,000 Small Equipment
  • $7,500 Tool Box
  • $2,500 Per Tool
  • Program Enhancement Endorsement – Broadening Coverage for Property, General Liability and Inland Marine:
  • Newly Acquired Properties: $1,000,000 Building / $500,000 Personal Property Limits
  • Property Off Premises Limit: $125,000
  • Property In Transit Limit: $100,000
  • Automatic Inclusion of Crime & Fidelity Coverages:
  • Employee Dishonesty: $50,000 / Client’s Property: $10,000
  • Money & Securities & Depositors Forgery Limits of $25,000
  • Dependent Properties Limit: $100,000
  • Water Back up of Sewers and Drains Limit: $25,000
  • Lock Replacement Limit: $5,000
  • $250,000 Blanket Limit Coverage Feature for

Accounts Receivable; Business Income & EE; Claims Expenses; Computer/Computerized Equipment; Fine Arts; Fire Dept Service Charges;Movement of Property; Outdoor Property; Personal Effects & Property of Others; Valuable Papers and Records – Cost of Research;

  • Limited Pollution Coverage - Worksites
  • Limits Available From $100,000 to $1,000,000
  • Automobile Enhancement - Form Features:
  • Automatic Inclusion of Medical Payments - $5,000 Limit
  • Broadened Named Insured for Newly Acquired /Formed Entities
  • Rental Reimbursement & Loss of Use Expenses - $1,500 Limit
  • $2,500 Communications Equipment Coverage
  • Hired Car Physical Damage $50,000 Limit
  • Lease or Loan Physical Damage Coverage Extension
  • Extended Towing and Glass Coverages
  • Airbag Coverage Extension

Billing

  • Direct Bill
  • 15% Down payment with flexible installment plans (for accounts $3K and above)

Claims Handling

  • 24-7Claims handling & reporting services with online, fax and telephone reporting options

Ask the Risk Manager

  • - website dedicated to loss control services for janitors that includes tools and materials to assistinsured’s with loss prevention services

Submissions

To obtain a quote please send complete submissions to

  • Complete Acord Applications
  • Tangram’s Janitorial & Building Services Supplemental Application
  • 4 years currently valued loss runs
  • Drivers List and Current MVRs