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<rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Torch Briefings — Janitorial &amp;amp; Commercial Cleaning</title><link>https://commercialcleanerspftn.com/blog/</link><atom:link href="https://commercialcleanerspftn.com/feed.xml" rel="self" type="application/rss+xml"/><description>Sharp reads on the risks that threaten commercial cleaning companies: janitorial bonds, care-custody-control, workers&#x27; comp mods, non-owned auto, contracts.</description><language>en-us</language>
<item><title>The Janitorial Bond Your Biggest Client Will Ask For (and Why It Isn&#x27;t Insurance)</title><link>https://commercialcleanerspftn.com/blog/janitorial-bond-vs-insurance</link><guid>https://commercialcleanerspftn.com/blog/janitorial-bond-vs-insurance</guid><pubDate>Fri, 09 Oct 2026 00:00:00 GMT</pubDate><description>What a janitorial bond covers, who it protects, why the surety can bill you back, and what a commercial cleaning company needs alongside it.</description></item>
<item><title>Care, Custody, and Control: The Exclusion That Turns a Scratched Floor Into an Uncovered Claim</title><link>https://commercialcleanerspftn.com/blog/care-custody-control-cleaning-companies</link><guid>https://commercialcleanerspftn.com/blog/care-custody-control-cleaning-companies</guid><pubDate>Wed, 07 Oct 2026 00:00:00 GMT</pubDate><description>Why standard general liability excludes damage to the property a cleaning crew works on, and how commercial cleaning companies close the gap.</description></item>
<item><title>Your Crew Drives Their Own Cars Between Buildings. That&#x27;s Your Auto Claim.</title><link>https://commercialcleanerspftn.com/blog/hired-non-owned-auto-cleaning-crews</link><guid>https://commercialcleanerspftn.com/blog/hired-non-owned-auto-cleaning-crews</guid><pubDate>Sat, 03 Oct 2026 00:00:00 GMT</pubDate><description>Your crews drive their own cars between buildings. When one crashes, the client sues you. Why hired and non-owned auto belongs on every janitorial policy.</description></item>
<item><title>Why Workers&#x27; Comp Rates Punish Cleaning Companies — and How the Experience Mod Fixes It</title><link>https://commercialcleanerspftn.com/blog/workers-comp-experience-mod-cleaning-companies</link><guid>https://commercialcleanerspftn.com/blog/workers-comp-experience-mod-cleaning-companies</guid><pubDate>Tue, 29 Sep 2026 00:00:00 GMT</pubDate><description>Janitorial class codes carry high workers&#x27; comp base rates. The experience mod is the lever that pulls your premium below the industry. How it works and how to move it.</description></item>
<item><title>The Contract Says $2 Million. Your Policy Says $1 Million. Now What?</title><link>https://commercialcleanerspftn.com/blog/cleaning-contract-insurance-requirements</link><guid>https://commercialcleanerspftn.com/blog/cleaning-contract-insurance-requirements</guid><pubDate>Thu, 24 Sep 2026 00:00:00 GMT</pubDate><description>How to read the insurance section of a commercial cleaning contract: umbrella limits, additional insured, primary &amp; non-contributory, waivers, and why a certificate isn&#x27;t coverage.</description></item>
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