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.
These insurance policies cover the most common risks of carpet cleaning.
A general liability insurance policy protects carpet cleaning businesses against basic third-party risks, such as accidental damage to customer property.
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.
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.
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.
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 reimburse your clients in the event of employee theft. They're also called employee dishonesty bonds.
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:
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.