Carpet Cleaner Business Insurance

Safeguarding your carpet cleaning business against risks is vital to your company’s future. As a business owner, it is up to you to protect yourself and your employees from accidents and costly lawsuits. The first step in this process is to provide outstanding training with a focus on safety and compliance. But even the best training in the world cannot completely eliminate risks. And no matter how profitable your carpet cleaning company is, a costly lawsuit can be devastating.

The best way to mitigate these risks is to purchase carpet cleaner insurance. Business insurance for carpet and rug cleaners is affordable and easy to secure. It works by shifting the financial responsibility from you to your insurance provider if an accident occurs. Best of all, you can enjoy peace of mind knowing you and your business are protected if a devastating accident unfolds.

General Liability

General liability insurance (GL) is the cornerstone of a solid Carpet Cleaner Business Insurance plan. Of all the types of business insurance, it is the most comprehensive. It is also the most popular. GL insurance delivers protection against basic risks like accidental property damage during cleaning. It also safeguards against slander lawsuits or common accidents such as falls. Here is a snapshot of the scope of coverage:

  • Business Premises Protection Coverage. This coverage helps if an injury occurs at your business or a job site.
  • Product Liability Coverage. This coverage applies if your cleaning tools or chemicals cause injury.
  • Personal and Advertising Injury Coverage. This helps protect you against claims of slander, libel, and copyright violations.
  • Completed Operations Coverage. This coverage provides relief if someone claims your cleaning services caused injury or property damage.

Inland Marine

Carpet cleaners depend heavily on their equipment and tools to complete jobs. Some carpet cleaning machines cost thousands of dollars. If someone steals or damages your equipment, you can quickly find yourself in a bad spot. First, you need thousands of dollars to replace the equipment. Even worse, you can’t earn money to replace the machine because your cleaning equipment does not work.

Inland marine insurance provides protection against this type of scenario. It is especially helpful to carpet cleaners who frequently transport their equipment. Inland marine insurance helps to cover equipment costs if damage occurs during transport.

Workers Compensation Insurance

Carpet cleaners perform a variety of physical tasks while on the job. For example, they may lift bulky furniture and carry heavy cleaning equipment. This type of activity can lead to back injuries and strained muscles. Carpet cleaners also run a higher risk of slipping and falling on a wet floor. While most injuries may not be serious, others may require costly hospitalization or surgery. An employee may also be unable to work due to their injuries.

Workers’ Compensation Insurance provides financial relief to owners of carpet cleaning businesses. Here are some of the costs typically covered by workers’ compensation insurance:

  • Medical expenses for the injured employee
  • Temporary disability payments if the employer misses work
  • Compensation for permanent disabilities

Commercial Auto Insurance

Carpet cleaners often need to drive to a client’s location to complete a job. If a company employee is in an automobile accident while on the clock, you could be held liable. The resulting legal costs and other expenses can be devastating. Commercial auto insurance helps protect you by covering the majority of these costs.

Surety Bond

A surety bond is a type of written contract that is commonly used with government bids or jobs. Surety bonds offer a guarantee that a business will meet a specific obligation or project deadline. If the business fails to deliver, the bond provides monetary relief. There are three key parties involved with surety bonds:

  • Principal: This is the individual or business with the obligation to deliver services according to the bond terms.
  • Obligee: This is the party that requests the surety bond. The surety bond protects the obligee if the principal fails to deliver.
  • The Surety. This is the insurance provider who guarantees the principal’s obligations to the obligee.

How Much Does Carpet Cleaner Business Insurance Cost?

The cost of insurance varies according to the specific needs of your business. And your carpet cleaning business is unique. For this reason, a cookie-cutter approach to insurance costs does not work. You can expect to pay between several hundred dollars to several thousand dollars a year. The exact amount usually depends on three things:

  • Business size. In general, businesses with fewer employees pay less for insurance.
  • Insurance type. Costs are less if you choose only one insurance type. Adding other types usually increases your total cost.
  • Coverage limits. Costs tend to increase along as coverage limits increase.


How To Get Carpet Cleaner Insurance

Getting insurance for your carpet cleaning business is not difficult. The key is to make sure you choose the best insurance for your business. We invite you to contact us at USA Business Insurance. When you work with us, securing the best insurance options is as easy as 1-2-3:

  • Step One: Determine your needs. If you need help, give us a call at 888-900-0205. An experienced specialist will help you.
  • Step Two: Request a quote. Our rates are fair and tailored to your needs. Just tell us a little about your business to receive a quote quickly.
  • Step Three: Confirm your insurance. Once you finalize your selection, you could have insurance in as little as one hour.



Carpet Cleaner Insurance Costs

Carpet Cleaner Business Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

Q: Why do carpet cleaners need insurance?

A: Insurance helps protect carpet cleaners against costly claims and lawsuits. But there are many other reasons to have insurance. Here are a few:

  • To prepare for accidents. Business owners can’t predict accidents. But with insurance, you are always prepared for them.
  • To meet local requirements. Certain states require carpet cleaning businesses to have insurance.
  • To give you peace of mind. You can rest easily knowing you are covered if an accident occurs or lawsuit unfolds.
  • To increase customer confidence. Customers will often choose a business that is licensed and insured.


Q: What are the risks facing carpet cleaners?

A: Carpet cleaners face a variety of personal injury and property damage risks. Here are some of the most common risks facing carpet cleaning companies:

  • Slips and falls. These usually occur when there is too much cleaning solution on a carpet or floor.
  • Back injuries. Employees can sustain upper and lower back injuries while carrying or using cleaning equipment.
  • Allergic reactions. Some people develop respiratory issues or breathing problems in response to cleaning chemicals.
  • Property damage. This can occur when a carpet is damaged by harsh chemicals or improper use of equipment.

Q: Is insurance required for carpet cleaners?

A: Most carpet cleaning businesses must have general liability insurance. However, requirements for carpet cleaners vary by location. For instance, some states require workers’ comp coverage while others don’t. You may also need insurance to be eligible for government bids and large cleaning projects. To make sure you are covered, it is best to check federal, state, and local insurance laws. You can also contact us to review the types of coverage you may need.

Are Monthly Payments Available For Carpet Cleaners?

Most Carpet Cleaner insurance policies come with monthly payment plans. A down payment is required to start a policy.

Please ask us about low down payment option.

What Are The Penalties To Cancel My Carpet Cleaner Policy ?

We don’t penalize our customers. When you cancel your Insurance, you are not required to pay penalties. You are, however required to pay your premium dues up to the cancellation date. The remaining payments will be cancelled after a cancellation is processed.