Carpet Cleaning Business Insurance

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Carpet or Upholstery Cleaning
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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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Multiple quotes with one application

Insureon helps carpet and upholstery cleaning businesses compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do carpet cleaners need?

These policies provide coverage for common carpet cleaning risks.

General liability insurance icon

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
  • Accidental property damage
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical costs
  • Partial lost wages
  • Employee injury lawsuits
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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
  • Vehicle theft
Business owner’s policy icon

Business owner's policy

A business owner's policy is an affordable bundle for cleaners that combines general liability insurance with commercial property insurance.

  • Customer injuries
  • Damaged carpet or upholstery
  • Theft of carpet cleaning equipment
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
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.

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.

How much does carpet cleaning insurance cost?

Woman with clipboard calculating cost of insurance for her cleaning business.

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

  • Value of your carpet cleaning equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Carpet or Upholstery Cleaning