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Carpet Cleaning Insurance

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Protect Your Business From Wear and Tear With 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.

We’re an online insurance platform that helps business owners like you find and compare liability insurance. Not an insurance expert? No worries — we’re here to give you the information and personalized quotes you need to make a choice you’re satisfied with. All you have to do is answer a few questions about your company to get custom quotes from top insurers.

Ready for even more good news? The whole process only takes a few minutes.

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Insurance FAQs:

  • What is Business Insurance?

Coverage Type

Here are two types of business insurance available to carpet cleaners:

  • General liability insurance
  • Workers compensation insurance

Each type of policy covers different scenarios, but all insurance offers the benefit that:

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help clients feel good about your work.
  • It may be legally required where you’re located.

Carpet cleaner working in living room

What type 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

Carpet cleaner sets up fan

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.

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Carpet Cleaning Insurance FAQs

  • 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.

Carpet cleaner uses hand-held attachment

Why Choose Simply Business?

You don’t want to spend all day getting business insurance, but you may be overwhelmed with choices right now. Only you can decide for your cleaning business, but we’re here to give you a simple, custom policy.

Simply Business is an online insurance brokerage that offers policies to protect every hour you’ve invested, and will continue to invest in your company. We’re also one of the fastest-growing online providers of small business insurance, with thousands of customers trusting us to protect their work.

So why choose Simply Business? It’s, well, simple:

We’re fast and affordable. We value your time, so we aim to get you covered in minutes.

We’re flexible with coverage. We’re here to help, whether it’s day 1 or 1,000 of your business.

We get your business. Forget one-size-fits-all insurance. Get protection that’s tailored to your cleaning company.

Patience and perseverance have gotten you where you are today. Now let us help you protect your tomorrow.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.