Carpet Cleaning Business Insurance

Carpet or Upholstery Cleaning
Vacuum cleaner on a beige carpet.
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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.

Carpet cleaners working in a client's residence.
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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.

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General liability insurance

A general liability insurance policy protects carpet cleaning businesses against basic third-party risks, such as accidental damage to customer property.

  • Customer bodily injuries
  • Accidental property damage
  • Libel and other advertising injuries
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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.

  • Employee medical costs
  • Disability benefits
  • Legal fees
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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.

  • Property damage caused by your vehicle
  • Medical expenses from an auto accident
  • Vehicle theft and vandalism
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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.

  • Damage to a client's property
  • Theft of carpet cleaning equipment
  • Business interruption coverage
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts the policy limits on a carpet cleaner's general liability, commercial auto, and employer's liability insurance.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Accidents in company vehicles
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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.

  • Theft of money
  • Property stolen from a job site
  • Other employee theft or fraud
Looking for different coverage? See more policies.

How much does carpet cleaning insurance cost?

Cleaning professional calculating cost of insurance for their business.

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
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State insurance requirements

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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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