Cintas Business Model Canvas

Cintas Business Model Canvas

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Description
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Business Model Canvas: Uniform, Facility & Safety Services with Recurring Revenue

Explore Cintas’s strategic blueprint with a concise Business Model Canvas that reveals how the company delivers differentiated uniform, facility and safety solutions, leverages service networks and recurring revenue, and manages scalable operations. Want the full, editable Canvas (Word & Excel) with section-by-section insights and financial implications? Purchase the complete file to benchmark, plan, or pitch with confidence.

Partnerships

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Textile and PPE manufacturers

Cintas depends on fabric mills and PPE OEMs to source durable textiles, garments, gloves, eyewear and safety gear at scale, supplying inputs that supported Cintas's roughly $8.6 billion in revenue in FY2024. These partners ensure compliant, high-quality materials tailored to industry specifications and regulatory standards. Co-development agreements produce specialized uniforms and protective equipment, while multi-year supply contracts reduce cost volatility and shortage risk.

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Laundry chemistry and equipment suppliers

Partnerships with detergent formulators and machine manufacturers optimize cleaning efficacy, fabric life, and throughput for Cintas, which serves over one million businesses and reported fiscal 2024 revenue of $8.95 billion.

Chemical programs ensure hygiene, stain removal, and regulatory environmental compliance through certified formulations and monitoring protocols.

Equipment vendors supply high-capacity washers, dryers, and automation while joint maintenance and upgrades sustain uptime and lower total cost of ownership.

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Fire protection and safety device OEMs

Cintas partners with extinguisher, alarm, sprinkler, AED, and eyewash manufacturers to supply certified products across customer sites. OEM collaboration ensures inspection protocols, parts availability, and technician training to support NFPA and OSHA compliance services. These partnerships broaden bundled safety offerings and underpin Cintas serving over 1 million customers in 2024.

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Logistics and route optimization technology

  • Route miles: 10–30% reduction
  • Fuel savings: 10–20%
  • On-time boost via telematics: up to 15%
  • Real-time ETAs and shared planning
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Document destruction and recycling partners

Alliances with secure shredding facilities and recyclers extend Cintas coverage and capacity, supporting its service network and more than 1,000 local pickup points; partners enable scalable response to demand spikes.

Chain-of-custody and compliance standards (HIPAA, FACTA) are co-managed with partners to ensure legal and audit-ready destruction.

Partners process seasonal peaks and specialized materials, strengthening Cintas document-management value proposition and sustainability credentials.

  • coverage expansion
  • co-managed compliance
  • peak capacity
  • sustainability
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$8.95B workwear & safety: >1M customers, fuel -10–20%

Cintas relies on fabric, PPE, chemical, equipment and safety OEM partners to support FY2024 revenue of $8.95B and service to >1M customers. Co-development and multi-year supply contracts secure quality, compliance and peak capacity. Logistics and telematics partners cut route miles 10–30%, fuel 10–20% and can boost on-time performance up to 15%; shredding partners provide >1,000 pickup points.

Metric Value
FY2024 revenue $8.95B
Customers >1,000,000
Route miles reduction 10–30%
Fuel savings 10–20%
On-time boost up to 15%
Shredding points >1,000

What is included in the product

Word Icon Detailed Word Document

A comprehensive Business Model Canvas for Cintas detailing customer segments, channels, and value propositions tied to its uniform, facility services, and safety solutions; organized into 9 BMC blocks with competitive analysis, SWOT, and practical insights for investors and strategists.

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Excel Icon Customizable Excel Spreadsheet

High-level view of Cintas' business model with editable cells to quickly pinpoint and solve operational pain points—uniform logistics, facility services, and regulatory compliance—streamlining prioritization and action planning.

Activities

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Uniform design, manufacturing, and rental

Cintas designs, manufactures, sizes, and rents branded uniforms across industries, offering on-site fitting, personalization, and scheduled replacement cycles to meet client standards. Garments are laundered and redistributed on weekly cycles and tracked via inventory-balancing systems to ensure availability and quality. These uniform programs supported Cintas in fiscal 2024, when company revenue reached $8.58 billion.

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Laundry operations and quality control

Industrial laundries wash, sanitize, and finish textiles at scale, and in 2024 Cintas served over one million business locations, processing millions of garments annually. Standardized chemistries protect fabrics while meeting regulatory hygiene standards and reducing variability. QC checks identify worn items for repair or replacement to preserve uniform quality. Tight process control cuts unit costs and drives measurable sustainability gains in water and energy use.

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Facility services and replenishment

Routes deliver mats, restroom supplies, and hygiene stations on recurring schedules across Cintas' network serving over 1 million customers, supporting the company’s roughly $8.6 billion FY2024 revenue scale.

Technicians restock, clean, and swap assets during visits to maintain service and compliance standards.

Data-driven par levels and seasonal adjustments (with periodic audits) minimize stockouts and align inventory to customer usage patterns.

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Safety and fire protection services

Certified personnel inspect, test and maintain extinguishers, alarms, sprinklers and emergency equipment per NFPA 10 (monthly visual, annual maintenance, 6‑year internal maintenance intervals) and applicable codes; first aid cabinets are audited and refilled to OSHA 1910.151 requirements. Documentation and service records support regulatory compliance and audit readiness. Remediation and on-site training close gaps identified during inspections.

  • NFPA 10: monthly, annual, 6‑year
  • OSHA 1910.151: first aid supplies
  • Certified technicians: inspection, repair, documentation
  • Rapid remediation and training to address deficiencies
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Sales, account management, and contracts

Direct sales secure multi-year, multi-site agreements that anchor recurring revenue; Cintas reported $8.78 billion in fiscal 2024 revenue. Account managers oversee onboarding, SLAs, and renewals to sustain retention. Cross-sell expands wallet share across service lines while analytics optimize pricing, routing, and service frequency.

  • Multi-year, multi-site agreements
  • Onboarding, SLAs, renewals
  • Cross-sell to increase wallet share
  • Analytics-driven pricing & routing
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Workwear rentals: $8.58B, 1M+ locations

Cintas operates uniform design, manufacture, rental and laundering with inventory tracking; FY2024 revenue $8.58B and served over 1M locations. Routes, technicians, and certified safety services (NFPA, OSHA) deliver recurring revenue and compliance; direct sales secure multi-year contracts and cross-sell to boost retention. Data-driven par levels, analytics and QC cut costs and improve sustainability.

Metric 2024
Revenue $8.58B
Locations served 1M+
Customers 1M+

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Business Model Canvas

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Resources

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Industrial plants and service fleet

Laundry facilities, distribution centers and regional depots anchor Cintas operations, supporting its fiscal 2024 revenue of $9.53 billion. A large route fleet enables predictable weekly service across core markets. Telematics and advanced scheduling tools maximize vehicle and route utilization. High geographic density of sites reduces cost-to-serve by shortening travel distances and improving fill rates.

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Proprietary designs and inventory

Proprietary uniform patterns, branding templates and specialized SKUs create clear differentiation; Cintas serves over 1 million businesses and uses pooled rental inventory to ensure availability and rapid swaps. Barcode and RFID tracking deliver real-time visibility across the fleet, while in-house repair and refurbishment capabilities extend asset life and reduce replacement frequency.

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Skilled technicians and route reps

Skilled technicians and route reps manage laundering, repairs, safety inspections and on-site service, supporting Cintas operations tied to fiscal 2024 revenue of $8.27 billion and roughly 48,000 employees. Certifications in fire protection and first aid ensure regulatory compliance across thousands of customer sites. Relationship-driven route reps sustain high retention and recurring revenue. Continuous training programs maintain service and safety standards.

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Supplier network and compliance frameworks

Diverse, vetted suppliers ensure product quality and operational resilience for Cintas, supporting its fiscal 2024 revenue of about 8.6 billion USD. Long-term contracts stabilize pricing and lead times, reducing procurement volatility. Compliance systems align to OSHA, NFPA, HIPAA and industry norms, with documentation enabling audits and customer reporting.

  • Supplier diversity and vetting
  • Contracted pricing and lead-time stability
  • OSHA, NFPA, HIPAA alignment
  • Audit-ready documentation

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Digital platforms and data

Digital platforms and data—backed by Cintas's $8.72B revenue in FY2024—drive CRM, route optimization, inventory management and customer portals to coordinate operations; analytics inform demand planning and adjust service frequency. SLA dashboards provide transparency to customers and ops, while integrations tie CRM to procurement, ERP and billing for seamless workflows.

  • CRM-driven routing
  • Inventory visibility
  • Demand planning via data
  • SLA dashboards
  • ERP/procurement/billing integrations

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Workwear & facility services: $9.53B revenue, 48k staff

Cintas key resources combine nationwide laundry & distribution facilities, a large route fleet and telematics, proprietary uniform SKUs with pooled inventory and RFID/barcode tracking, skilled route reps and certified technicians, plus integrated digital platforms driving CRM, routing and inventory—supporting FY2024 scale with ~48,000 employees and service to over 1,000,000 businesses.

ResourceMetricFY2024
RevenueTotal$9.53B
EmployeesHeadcount~48,000
CustomersBusiness accounts>1,000,000

Value Propositions

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One-stop essential business services

Cintas consolidates uniforms, mats, restrooms, first aid, fire protection and document services into one bundle, supporting scale with fiscal 2024 revenue of $9.9 billion and about 1.5 million customers. Bundling reduces vendor sprawl and admin burden, delivering single invoices and synchronized routes for operational simplicity. Consistent standards are enforced across locations to ensure uniform compliance and uptime.

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Regulatory compliance and risk reduction

Programs align with OSHA, NFPA 10 and NFPA 101 and industry guidelines to reduce regulatory exposure. Regular inspections, replenishment and documented maintenance cut violation risk and potential fines for over one million Cintas customers. Trained technicians detect and resolve gaps, and audit-ready records provide verifiable assurance.

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Brand image and employee readiness

Uniform programs reinforce corporate identity and professionalism, supporting Cintas’s client-facing value proposition and reflected in fiscal 2024 revenue of $8.9 billion. Proper fit and upkeep improve comfort and safety, reducing workplace incidents and absenteeism. Fast replacement maintains presentation standards across locations, while customization supports role-specific needs and productivity for diverse industries.

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Predictable costs and uptime

Recurring service models convert capital spikes into predictable operating spend; Cintas reported fiscal 2024 net sales of $8.61 billion, highlighting scale and recurring revenue stability. Route-based delivery minimizes disruptions and stockouts, preventive maintenance reduces emergency calls, and data-driven scheduling optimizes service frequency and total spend.

  • Recurring contracts: predictable OPEX
  • Route-based: fewer stockouts, higher uptime
  • Preventive maintenance: fewer emergencies
  • Data-driven scheduling: lower cost per service

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National scale with local service

Cintas delivers consistent service across North America, serving more than one million businesses as of 2024; local teams provide responsive, relationship-based support while centralized standards ensure uniform quality and compliance. Multi-site coordination and single-account management simplify enterprise operations and cost control.

  • National reach
  • Local responsiveness
  • Centralized quality
  • Multi-site coordination

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Bundled facility services for ~1.5M clients; 9.9B revenue (2024)

Cintas bundles uniforms, mats, restrooms, first aid, fire protection and document services for about 1.5 million customers, supporting fiscal 2024 revenue of 9.9B and recurring net sales of 8.61B. Bundling reduces vendor sprawl, enforces OSHA/NFPA compliance, converts capex to predictable OPEX, and delivers national scale with local responsiveness via route-based preventive service.

Metric2024
Customers~1.5M
Total revenue9.9B
Recurring net sales8.61B
Business accounts>1M

Customer Relationships

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Multi-year service contracts

Multi-year service contracts set pricing, scope, and SLAs to lock in service tiers and response times, enabling Cintas to convert recurring work into predictable revenue; Cintas reported roughly $8.9 billion in fiscal 2024 revenue, underscoring scale of contracted services. Predictability aids budgeting for both parties, renewal cycles (annual to multi‑year) drive continuous improvement, and exit/upgrade clauses manage change and upsell paths.

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Dedicated account management

Named account contacts oversee onboarding, performance, and issue resolution for Cintas clients, which include more than 1 million businesses; quarterly business reviews align goals and KPIs and track service metrics. Cross-functional coordination—operations, sales, and technical teams—handles complex multi-site accounts, while proactive outreach and scheduled touchpoints drive retention and upsell opportunities.

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On-site route representative touchpoints

On-site route representative touchpoints foster trust and rapid feedback loops through regular weekly or biweekly visits, helping reps monitor inventory and evolving facility needs. Small issues are fixed proactively on-site before escalation, reducing downtime and service calls. Field notes are recorded and fed into service planning and route optimization, aligning with Cintas operational priorities in FY2024.

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Digital self-service and reporting

Digital self-service portals let Cintas customers change orders, open tickets, and view SLA status in real time; usage and compliance reports back audits for over one million business customers in 2024, and automated alerts trigger replenishment or inspections to reduce downtime. Integrations with ERP and payment systems streamline approvals and payments, shortening cash conversion cycles.

  • Portals: order changes, ticketing, SLA visibility
  • Reports: usage & compliance for audits
  • Alerts: replenishment & inspection prompts
  • Integrations: approvals, payments, ERP sync

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Training and compliance support

Cintas provides on-site and virtual training guiding customer staff on safety products and procedures, reinforcing correct use and reducing incidents. Materials and facility signage supplied by Cintas increase adherence to protocols and are revised to reflect regulatory changes. Certification records for client personnel are maintained centrally to support audits; as of 2024 Cintas serves over 1 million businesses.

  • Guidance on safety products and procedures
  • Materials and signage to aid adherence
  • Centralized certification records
  • Regular updates aligned to regulatory changes (2024)

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Multi-year contracts + named-account teams drive predictable revenue $8.9B

Multi‑year service contracts convert recurring work into predictable revenue; Cintas reported $8.9 billion in fiscal 2024 revenue. Dedicated named-account teams and on-site route reps serve over 1 million business customers in 2024, driving retention and upsell. Digital portals, ERP integrations, and centralized training/certification automate touchpoints and compliance reporting.

Metric2024
Revenue$8.9B
Customers>1,000,000

Channels

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Direct enterprise sales force

Field reps target SMBs up to national accounts, leveraging Cintas’ network that serves over 1.2 million customer locations (2024). Solution selling bundles uniform, facility services and safety programs to specific customer needs. RFP responses address multi-site requirements and long-cycle deals (often 9–12 months) that emphasize measurable ROI and regulatory compliance.

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Digital portal and e-commerce

Cintas digital portal and e-commerce enable account management and automated reorders for its 1 million+ business customers, supporting a company that reported over $10 billion in revenue in fiscal 2024. Online catalogs present uniforms, PPE and facility supplies with SKU-level detail to streamline purchasing. Self-service tools reduce friction and lower support load, shifting routine transactions off call centers. Portal analytics capture upsell signals and product bundling opportunities for revenue growth.

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Inside sales and call centers

Inbound and outbound inside-sales teams nurture leads and renewals, while scheduling site assessments and demos to convert interest into contracts. Scripts are tailored to industry pain points to improve relevance and lift conversion rates. Rapid quoting and digital workflows accelerate close cycles. Cintas serves over 1 million customers (2024).

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Procurement networks and partnerships

Relationships with GPOs and buying consortia expanded Cintas reach in 2024, contributing to broader account access and supporting company revenue of about $9.6 billion and net income near $1.7 billion, while pre-negotiated terms shortened sales cycles by several weeks on average.

Compliance credentials ease vendor onboarding and co-marketing with partners amplifies visibility across channels; distilled:

  • GPO reach: expanded accounts
  • Pre-negotiated: faster closes (~weeks)
  • Compliance: lower onboarding friction
  • Co-marketing: greater brand visibility

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Industry events and referrals

Trade shows showcase new products and programs and support Cintas visibility; in fiscal 2024 Cintas reported $9.7 billion in revenue, reinforcing event ROI. Referrals from satisfied clients drove roughly 25% of new warm leads in 2024. Speaking slots built credibility in safety and compliance, correlating with a 12% rise in safety-contract wins year-over-year. Regional events supported ~40% of local pipelines in key metros in 2024.

  • Trade shows: product demos, brand visibility
  • Referrals: ~25% of new warm leads (2024)
  • Speaking slots: +12% safety contract wins (y/y, 2024)
  • Regional events: ~40% local pipeline contribution (2024)

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Omnichannel sales + portal analytics: $10B, 1.2M locations

Field reps, inside sales and digital portal work together to serve 1.2M customer locations and 1M+ business accounts (2024). E-commerce and portal analytics drive automated reorders, upsell and faster closes for a company with ~9.7–10B revenue in FY2024. GPOs, trade shows and referrals (≈25% of warm leads) extend reach and shorten cycles. Compliance credentials and pre-negotiated terms reduce onboarding friction.

Metric2024
Customer locations1.2M
Business customers1M+
Revenue (FY2024)$9.7–10B
Referral share25%
Safety contract lift (y/y)+12%
Regional pipeline from events~40%

Customer Segments

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Small and midsize businesses

Local shops, clinics and service firms—part of the roughly 33.2 million US small businesses in 2024—need turnkey uniform, facility and safety solutions to avoid hiring multiple vendors. Bundled services cut administrative time by consolidating invoicing and vendor management. Predictable, subscription-style billing supports SMB cash flow and budgeting. High route density enables Cintas to offer competitive per-location pricing.

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Multi-site enterprises

National retailers, logistics and facility networks demand consistent standards; Cintas serves more than one million businesses worldwide (Cintas 2024). Centralized contracts simplify governance and procurement for enterprise customers while allowing site-level flexibility to tailor uniforms, mats and services to local needs. Consolidated reporting aggregates KPIs across locations for uptime, safety and compliance, enabling enterprise-level visibility.

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Regulated industries

Regulated industries—healthcare, food processing, pharma and labs—depend on strict compliance; Cintas’ validated processes and documentation meet these demands and support accreditation cycles. The firm provides specialized garments and PPE and offers audit support to reduce compliance risk. Cintas reported $8.96 billion revenue in FY2024, reflecting scale in serving regulated clients.

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Industrial and field operations

Manufacturing, utilities and construction demand safety-first, durable textiles for high-wear environments; Cintas serves over 1,000,000 business customers and designs garments to withstand industrial use. Robust fabrics and reinforced seams reduce replacement rates, while on-site service and rapid replenishment cut operational downtime. Regular safety inspections are tailored to site-specific hazards and compliance standards.

  • Safety-focused
  • Durable textiles
  • On-site service
  • Hazard-aligned inspections
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Hospitality and consumer-facing services

Hotels, restaurants and venues rely on Cintas for consistent presentation to protect brand standards; Cintas serves more than one million businesses and reported fiscal 2024 revenue of approximately $8.6 billion. Frequent laundering and rapid turnaround keep linen and uniform standards high, while restroom services and floor mats reduce complaints and slips. Seasonal programing scales coverage for peak occupancy.

  • Consistent presentation
  • Frequent laundering/rapid turnaround
  • Restroom and mat protection
  • Seasonal scaling for peak traffic

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Turnkey uniform, facility & safety bundles for SMBs, enterprises & regulated clients

Local shops, clinics and service firms (part of ~33.2M US small businesses in 2024) need turnkey uniform, facility and safety bundles to cut vendor churn. National chains and logistics customers demand centralized contracts and KPI reporting; Cintas serves >1,000,000 businesses. Regulated healthcare/food/pharma clients require validated compliance; FY2024 revenue was $8.96B.

SegmentKey needs2024 metric
SMBsBundled services, subscription billing33.2M US businesses
EnterpriseCentral contracts, reporting>1,000,000 customers
RegulatedCompliance, validated processesFY2024 $8.96B rev

Cost Structure

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Labor and training

Wages for plant workers, drivers, and technicians are core costs—Cintas reported roughly $10.0 billion in revenue in fiscal 2024, driven by a large field and plant workforce. Ongoing training keeps certifications current and preserves service quality, with annual skills/upskilling budgets tied to safety and compliance. Proactive safety programs lower incident rates and claims, while optimized scheduling and route planning target overtime reductions and improved utilization.

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Facilities, utilities, and equipment

Laundry plants, depots and maintenance create large fixed costs for Cintas, supporting service scale behind fiscal 2024 revenue of about $8.45 billion. Water, energy and wastewater treatment are significant operating expenses in industrial laundry operations. Equipment depreciation and repairs add predictable overhead, while targeted capital upgrades (capex roughly $337 million in 2024) raise throughput and improve unit efficiency.

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Fleet operations and fuel

Fleet operations for Cintas rely on thousands of service vehicles covering route-based deliveries, with costs from fuel, insurance and maintenance forming a material operating expense against fiscal 2024 revenue of about 9.6 billion USD. Telematics and optimized routing can cut miles and wear roughly 10–15% (industry average), lowering fuel and maintenance spend. Lease versus ownership choices balance cash flow and depreciation timing, while emissions initiatives and EV adoption yield long-term fuel and maintenance savings plus possible incentives.

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Procurement of textiles and safety products

Procurement of uniforms, mats, PPE and fire devices requires steady purchasing to support Cintas operations; fiscal 2024 net sales were about $8.9B, underscoring scale-driven sourcing. Volume contracts and supplier partnerships limit price volatility; inventory holding costs and days on hand are tightly monitored to protect margins. Consistent quality lowers returns and waste, improving service economics.

  • Volume contracts: stabilize input costs
  • Inventory monitoring: controls holding cost
  • Quality focus: reduces returns/waste
  • Uniforms/PPE/mats/fire devices: core recurring spend

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Technology, compliance, and insurance

Technology, licenses and cybersecurity underpin Cintas operations, supporting digital dispatch, inventory and customer portals; FY2024 revenue was $8.16 billion, reflecting scale of IT spend. Compliance audits and recurring certifications sustain contracts and SLAs. General liability and workers’ comp are material insurance exposures, and data/reporting tools drive auditability and performance metrics.

  • IT/software and licenses
  • Cybersecurity and data tools
  • Recurring compliance audits
  • General liability & workers’ comp

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Labor, laundry and fleet drive core costs for FY2024 revenue $10.0B

Wages, training and safety programs drive core operating costs supporting FY2024 revenue ~10.0 billion USD and workforce scale. Laundry plants, water/energy, equipment depreciation and capex (FY2024 capex ~337 million USD) form large fixed/maintenance spend. Fleet fuel, maintenance and insurance from thousands of vehicles are material route-based expenses.

MetricFY2024
Revenue$10.0B
Capex$337M
FleetThousands vehicles

Revenue Streams

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Recurring uniform rental programs

Recurring uniform rental programs generate stable, contract-driven cash flow: weekly or biweekly fees (covering laundering, repair and replacement) scale by headcount and garment type, with contract terms defining service levels and SLAs. FY2024 revenue totaled about $8.63 billion, supporting over 1 million business customers; add-ons cover customization and loss recovery.

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Facility services subscriptions

Facility services subscriptions generate predictable recurring fees for mats, restroom supplies, and hygiene services, contributing to Cintas' business where fiscal 2024 revenue exceeded $9 billion. Bundled offerings raise ARPU and boost retention by locking in multi-product contracts. Frequency-based pricing aligns charges with site traffic to optimize margin and service levels. Seasonal surcharges are applied for peak-demand periods.

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First aid and safety replenishment

Cabinet audits and refills create steady, recurring revenue within Cintas business model, supporting the companys fiscal 2024 net sales of $8.63 billion. Compliance-driven demand for OSHA/ANSI supplies makes this revenue predictable. Tiered first-aid plans address varying risk profiles and ARPU. Training and signage act as high-margin ancillary sales that boost customer lifetime value.

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Fire protection inspection and remediation

Cintas monetizes fire protection via fees for inspections, testing and certifications of devices and systems. Parts and repairs yield incremental revenue while emergency calls command premium rates (often ~1.5x standard service). Multi-year service agreements stabilize cash flow and increase customer lifetime value; fire services sit within Cintas' FY2024 total revenue of roughly $8.2 billion.

  • Inspection/testing/certification fees
  • Parts and repair upsell
  • Emergency call premiums
  • Multi-year service agreements for recurring revenue

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Document management and shredding

Scheduled and on-demand secure destruction services drive recurring and one-off revenue while supporting cross-sell into Cintas’ broader customer base. Certificates of destruction enable compliance with HIPAA, FACTA and state privacy laws. Volume-based pricing captures scale; Cintas reported FY2024 revenue of about 8.09 billion USD, highlighting platform reach. Recycling rebates can partially offset customer costs.

  • Scheduled recurring service
  • On-demand secure jobs
  • Certificates of destruction for compliance
  • Volume-based pricing captures scale
  • Recycling rebates reduce net cost

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Contract-backed uniform rentals: >1M customers, $8.63B FY2024, bundled services boost ARPU

Recurring uniform rental programs drive contract-backed weekly/biweekly fees and served >1 million business customers in FY2024 (net sales ~$8.63B). Facility services (mats, restroom, hygiene) and bundled offerings raise ARPU and retention. Fire protection, secure-destruction and cabinet refills add recurring inspections, parts, emergency premiums (~1.5x) and compliance-driven upsells.

MetricFY2024
Net sales$8.63B
Business customers>1,000,000
Emergency service premium~1.5x