Other Coverage
In addition to general liability, carpet cleaners should consider other essential insurance coverages to protect all aspects of their business:
Coverage: Protects your tools and equipment against theft, damage, or loss.
Importance: Your tools are essential to your business operations. Without them, you could face significant downtime and costs.
Coverage: Covers vehicles used in your business, including vans or trucks, in case of accidents, theft, or damage.
Importance: Ensures that your business vehicles are protected, which is crucial for transporting your equipment and staff.
Coverage: Provides a financial guarantee that you will fulfill your contractual obligations.
Importance: Helps build trust with clients, as it assures them that they will be compensated if you fail to complete the job.
Coverage: Covers medical expenses and lost wages if an employee is injured on the job.
Importance: Required in many states, this coverage is vital for protecting your employees and your business.
Coverage: Provides additional coverage beyond the limits of your general liability policy.
Importance: Offers extra protection for large claims that exceed your standard policy limits, ensuring your business isn’t left vulnerable.