Carpet cleaning insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$42
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$42
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Carpet Cleaning Insurance?
Your attention to detail and the ability to revive a space has won you many happy customers. Now, it’s time to protect what you’ve created with business insurance. At Simply Business, we’re dedicated to helping you maintain a thriving cleaning service through the good, the bad, and the dirty.
Below are some of the most common types of insurance policies that carpet cleaners carry to stay protected.
What Type of Carpet Cleaning Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$42
/month*
Contractor’s Equipment and Small Tools Insurance
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What kind of carpet cleaning insurance do I need?
We know that decoding insurance policies and laws can be daunting, so we do our best to keep it simple. There are two types of insurance you may need — general liability and workers compensation. While we always recommend business insurance, it’s often required by state law, too. Here’s what you need to know about liability insurance for cleaning services.
General Liability Insurance
If you’re looking for a jack-of-all-trades, catch-all kind of insurance policy, then look no further than general liability insurance. This insurance typically covers bodily injury, property damage, and third-party (e.g., customer or vendor) accidents. You also may be able to add Contractors Tools and Equipment coverage to your plan, which could offset the cost if your carpet cleaning equipment is stolen.
Do you have $30,000 sitting around to pay for customer injury or a damage claim? That’s how much the average claim that general liability insurance would cover. Without insurance, a one-time accident could potentially bankrupt a small business.
Need some perspective on when business insurance could protect you? Imagine you’re cleaning a customer’s carpet when your (once trusted) machine’s fluid reservoir explodes. All of that liquid leaks through the carpet and onto the wood floor underneath, causing damage. It would be an unfortunate mistake, but one that your customer could possibly sue you for.
If you have GL insurance in this scenario, your policy could cover damages and legal fees if your customer sues you. Without insurance, you’d need a big piggy bank to recover your costs.
To recap, here’s what general liability insurance usually can cover:
Bodily injury to another person Third-party property damage Personal and advertising injury Medical expenses And more
Now check out what general liability insurance usually doesn’t cover:
- Damage to your own property
- Professional services
- Workers compensation or injury to your employees
- Damage to your work
- Motor vehicles while in business use
- Expected or intentional injury or damage
- And more
Workers Compensation Insurance
Having a team of cleaners means you can help more customers in less time. It also means that you will likely need to carry workers compensation insurance. This type of policy, also called workers comp, covers medical bills, lost wages, and legal costs associated with an employee who gets sick or hurt on the job.
Each state has its own insurance laws, and you can review workers comp requirements for your state here.
Across all businesses, the average cost of workers comp claims is $40,051. While employee injuries will hopefully be few and far between, the price of a single accident is enough to make workers compensation insurance worth it.
Generally, workers compensation insurance for cleaning service companies can cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Carpet Cleaning Insurance?
What’s better for maintaining flooring — routine, preventive maintenance, or waiting until it’s way past dirty to try to clean it? Just as preservation is preferable in cleaning services, looking after your business before you need it is imperative.
Nobody plans to have an accident, yet 43% of small business owners have reported being threatened with or involved in a civil lawsuit. The average costs companies are exposed to without insurance include:
- $30,000 for property damage or accident claims
- $50,000 for reputational harm claims (e.g., slander or libel)
- $20,000 for a client slip-and-fall case
These costs mean that without business insurance, you could be put in a tight spot if something goes wrong. Understandably, many business owners are curious about insurance costs. Here’s something you’ll be happy to hear — you don’t need to overpay for a one-size-fits-all policy. General liability insurance with Simply Business is personalized for your unique situation, so you can find a plan that matches your needs, whether you’re new to the scene or a carpet cleaning veteran.
While liability insurance can protect you on the tough days, it’s also there for you in good times. Having a certificate of insurance (COI), which will be provided to you upon your purchase of a policy, can help you rent a space for your business or earn the trust of vendors and customers.
What Does Carpet Cleaning Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Carpet Cleaning Insurance Coverage Questions
Your location determines your business insurance requirements, since each state makes its own rules. However, general liability insurance is a common requirement for carpet cleaners. Your free quote considers your location and provides you with the conditions that apply to you. Our licensed agents can also discuss the details with you. Additionally, in most cases, you’ll need workers comp coverage if you have employees.
We always recommend checking with a local accountant regarding your specific tax situation, but it’s common that business owners can deduct insurance premiums from their income taxes.
Nobody wants to overpay, and with Simply Business, you won’t have to. The level of insurance that’s right for you depends on:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote process takes all of this information into account to provide the recommended coverage. You also can talk to our licensed agents if you have additional questions.
Our quote process is fast, but having certain information makes it even easier. Here’s what you should have on hand in order to get an accurate quote:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Each state sets its small business insurance requirements. Our quote process and licensed insurance agents have that information so you can start the process right away.
A comprehensive insurance product — one that includes general liability and workers compensation — can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
Every insurance policy is customized to your business. Coverage and monthly premiums depend on your services and how many employees you have. Pricing is also affected by:
- Payroll estimates
- The location of your business
- The specific services you offer
- And more
If you’d like to see how much your premiums may cost, simply answer a few questions here to get free quotes and compare prices.
If you’re a multi-talented business owner, our licensed agents can work with you to try to find the right protection for potentially all of your services.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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your business in one form.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
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customers worldwide
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top-rated carriers
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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