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Why do carpet cleaners need insurance?
Risks are high when you work on other people's property and around their belongings. Business insurance can reimburse a client if an employee steals from them, or pay for accidental damage to an antique rug. Some policies may be required by state laws, contracts, or leases.
Find the right coverage
Insureon helps carpet and upholstery cleaning businesses find policies that match your unique risks.
Get free expert advice and peace of mind knowing you have the right insurance coverage for your small business.
What types of insurance do carpet cleaning companies need?
These insurance policies cover the most common risks of carpet cleaning.
General liability insurance
A general liability insurance policy protects carpet cleaning businesses against basic third-party risks, such as accidental damage to customer property.
BEST FOR
- Customer bodily injuries
- Accidental property damage
- Libel and other advertising injuries
Workers’ compensation insurance
Most states require workers' comp for carpet cleaning businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical costs
- Disability benefits
- Legal fees
Janitorial bonds
Janitorial bonds are a type of surety bond that reimburse your clients in the event of employee theft. They're also called employee dishonesty bonds.
BEST FOR
- Theft of money
- Property stolen from a job site
- Other employee theft or fraud
Commercial auto insurance
This policy covers financial losses from accidents involving your carpet cleaning van or other vehicle. Each state has its own requirements for auto liability coverage.
BEST FOR
- Property damage caused by your vehicle
- Medical expenses from an auto accident
- Vehicle theft and vandalism
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for carpet cleaning businesses to buy general liability coverage and commercial property insurance together.
BEST FOR
- Damage to a client's property
- Theft of carpet cleaning equipment
- Business interruption coverage
Commercial umbrella insurance
Commercial umbrella insurance boosts the policy limits on a carpet cleaner's general liability, commercial auto, and employer's liability insurance.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Accidents in company vehicles
Looking for different coverage? See more policies.
How much does carpet cleaning insurance cost?
A small carpet cleaning business will pay less for insurance than a large company.
Factors that affect premiums include:
- Type of business, such as residential or commercial carpet cleaner
- Value of your carpet cleaning equipment and property
- Business income
- Types of small business insurance purchased
- Policy limits and deductibles
State insurance requirements
See cleaning business insurance requirements in your state
Select your state to learn about insurance requirements for your small business.
How do I get carpet cleaner insurance?
It's easy to get carpet cleaning insurance policies if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Our licensed insurance agents work with top-rated U.S. carriers to find coverage that fits your professional carpet cleaning service, whether you work independently or hire employees.
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