Carpet cleaning insurance can help pay legal expenses if an employee steals money or items from a client’s home, or you get into a car accident on the way to a job site.
These policies provide coverage for common carpet cleaning risks.
General liability insurance protects carpet cleaning businesses against basic risks, such as accidental damage to customer property during a cleaning.
Most states require workers' comp for carpet cleaning businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy covers injuries and property damage in accidents involving company vehicles, as well as repairs to vehicles damaged by weather or vandalism.
A business owner's policy is an affordable bundle for cleaners that combines general liability insurance with commercial property insurance.
Commercial umbrella insurance boosts the policy limits on a carpet cleaner's general liability, commercial auto, and employer's liability insurance.
Janitorial bonds are a type of surety bond that protect against losses caused by an employee’s dishonesty, such as theft of items or money from a client's home.
Carpet and upholstery cleaners face multiple risks. You could get into an accident while driving to a job site, accidentally damage an antique rug, or suffer from chemical exposure. If an employee is injured or steals from a customer, it could lead to a costly legal battle. Carpet cleaning insurance covers these and other liability issues.