Carpet Cleaning Business Insurance

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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.

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Insureon helps carpet and upholstery cleaning businesses compare quotes from top U.S. carriers online. It’s free, and only takes 15 minutes.

What types of insurance do carpet cleaners need?

These policies provide coverage for common risks of carpet cleaning businesses.

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General liability insurance

General liability insurance protects carpet cleaning businesses against basic risks, such as accidental damage to customer property during a cleaning.

  • Slip-and-fall accidents
  • Third-party damage
  • Libel or slander lawsuits
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Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for carpet cleaning businesses that have employees. It can cover medical bills for work-related injuries.

  • Employee medical costs
  • Partial lost wages
  • Legal bills
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Commercial auto insurance

This policy covers injuries and property damage in accidents involving company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Surety bond icon

Janitorial bonds

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.

  • Client accusations of theft
  • Theft of money
  • Stolen property
Looking for different coverage? See more policies.

How much does insurance cost for cleaning professionals?

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Several factors will have an impact on insurance costs, including:

  • Cleaning services offered
  • Business equipment and property, such as company vehicles
  • Revenue
  • Location
  • Number of employees
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Why do carpet cleaners need insurance?

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.

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