Carpet Cleaning Insurance

Affordable Protection for Carpet Cleaning Services

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Carpet Cleaning Insurance That’s Made Just for You

When you deep clean a carpeted gym or rugs in someone’s home, you provide the best care possible to your customers. An insurance policy can provide your carpet cleaning business with as much care and protection.

At Simply Business, we can help you find a carpet cleaning insurance policy that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work for your customers.

What Insurance Do Carpet Cleaners Need?

As a carpet cleaner, you work at clients’ properties and use cleaning products that may contain harsh chemicals. These factors alone put your business at risk of accidents and property damage. Due to the nature of being a carpet cleaner, you may find that clients won’t hire you if you don’t have insurance. That’s why we typically recommend general liability and contents coverage for carpet cleaners, along with other types of coverage.

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General Liability Insurance for Carpet Cleaners

If you’re working at a client’s home and your cleaning equipment knocks over an expensive lamp (and it breaks) or harsh chemicals damage a rug, general liability insurance would help cover some of the repair or replacement costs. If you also happen to injure yourself while working, a general liability policy also may cover medical bills.

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Carpet Cleaners

Professional Liability insurance is a type of policy that provides coverage in the event a customer alleges negligence from your professional services. For example, if you recommended that a client use a detergent that resulted in yellow stains on their white carpet, your professional liability insurance policy may cover damages and legal costs for the carpet as a result of your mistakes.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

Workers Compensation Insurance for Carpet Cleaners

Many states require all businesses to carry workers compensation insurance – also known as “employers liability insurance.” This crucial coverage pays for medical costs and lost wages if an employee gets sick or injured while working for you. If you already have employees or are starting the hiring process, it’s important to check your state laws and requirements for this insurance.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation Expenses
  • Death Benefits

Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.

How Much Does Insurance for Carpet Cleaners Cost?

While there’s no single answer for how much insurance costs for carpet cleaners, you can get an estimate for what you may pay, based on:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your carpet cleaning business insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your carpet cleaning insurance coverage.

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