Carpet Cleaning Business Insurance
Carpet or Upholstery Cleaning
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How much does carpet cleaning insurance cost?

You can save money on commercial insurance by comparing quotes from different providers with Insureon. Carpet cleaning business insurance costs depend on the type of policy, coverage limits, deductibles, and factors such as your business's location and number of employees.

Top carpet cleaning insurance policies and their costs

Here are the top small business insurance policies purchased by carpet cleaning companies and their average monthly costs:

Our figures are sourced from the median cost of policies for carpet cleaning business owners who apply for quotes with Insureon. The median offers a better estimate of what your business is likely to pay because it excludes outlier high and low premiums.

General liability insurance icon

General liability insurance

Carpet cleaning companies pay an average of $53 per month, or $630 per year, for general liability insurance.

This policy protects carpet and upholstery cleaners against legal fees from customer property damage and injuries. For example, a customer could slip on a wet floor, or an employee could run a carpet cleaner into a fragile antique.

It also covers advertising injuries, such as a competitor suing your company for saying something negative about them on social media.

This is the average general liability insurance policy for carpet cleaning businesses that buy from Insureon:

Premium: $53 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

The cost of a general liability policy depends on factors such as the coverage limits you choose, the size of your business, the amount of foot traffic, and any subcontractors or additional insured endorsements. Learn more about how your premium is calculated.

Business owner’s policy icon

Business owner's policy

Carpet cleaning companies that are small and have few risks are often eligible for a business owner's policy. For eligible cleaning businesses, the average premium for a BOP is $76 per month, or $907 per year.

A business owner's policy is the best way for carpet cleaning professionals to protect themselves against the most common third-party lawsuits and business property damage. It bundles both general liability coverage and commercial property insurance together at a lower cost than buying these policies separately.

This is the average BOP for cleaning businesses that buy from Insureon:

Premium: $76 per month
Policy limits: $1 million per occurrence; $2 million aggregate

You can often add business interruption insurance or inland marine insurance to a BOP for more complete coverage.

Business interruption insurance covers day-to-day operating expenses and other costs if your carpet cleaning business is forced to close temporarily due to a fire or other covered property claim. Inland marine protects your carpet shampooers and other business property while it's in transit or at a job site.

The cost of a business owner's policy depends on the value of your carpet cleaning equipment and other property, along with the same factors that affect your general liability premium, such as your type of business and its size.

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Workers' compensation insurance

On average, cleaning businesses pay $136 per month, or $1,627 annually, for workers' compensation insurance.

Workers' comp insurance covers medical expenses and disability benefits when you or an employee suffers a work-related bodily injury or illness. For example, an employee could trip over a rug cleaner and get a serious concussion.

Typically, state laws require carpet cleaning businesses that have employees to carry this coverage. It's also recommended for sole proprietors, as health insurance plans can deny claims when an injury or illness is related to your job.

Most workers' compensation policies include employer's liability insurance, which provides protection in case a carpet cleaner sues over a work injury.

The cost of workers' comp depends on your business's location and the number of employees, among other factors.

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Commercial auto insurance icon

Commercial auto insurance

Cleaning businesses pay an average premium of $173 per month or $2,075 per year for commercial auto insurance. This policy covers property damage and medical bills resulting from an accident involving your company vehicle. It can also cover vehicle theft, vandalism, and weather damage.

Most states require this type of insurance for vehicles owned by a business, such as a van used to transport carpet cleaners and shampooers. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.

The cost of commercial auto insurance depends on several factors, including the policy limits you choose, claims history, the value of your business vehicle(s), and the driving records of anyone permitted to drive.

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Commercial umbrella insurance

Cleaning contractors and businesses pay an average premium of $67 per month, or $801 per year, for commercial umbrella insurance. This policy can offer the extra coverage you need to satisfy a client's requirements for higher limits on another underlying policy.

Umbrella insurance boosts the protection of your general liability insurance, commercial auto insurance, and employer's liability insurance in $1 million increments. When a claim exceeds the limits of the underlying policy, umbrella insurance kicks in to provide coverage.

The cost of umbrella insurance depends on your risks and on how much coverage you buy. You need to buy a certain amount of underlying coverage before you can buy umbrella insurance.

Surety bond icon

Janitorial bonds

The average cost of a janitorial bond is $11 per month, or $126 annually, for cleaning companies. Carpet and upholstery cleaners might need this bond in order to sign a contract with a client.

Janitorial bonds are a type of surety bond, also called employee dishonesty coverage or a fidelity bond. If an employee at your cleaning company steals from a client's home, the insurance company will reimburse the client for their financial loss. Unlike a typical insurance policy, you must pay this amount back to the insurer.

When you carry a bond, customers know they can trust your company to protect them. In fact, some customers may choose only to hire bonded and insured carpet cleaning companies.

The cost of a surety bond depends on how much coverage you buy, as it's a percentage of the total bond amount.

How do I get affordable carpet cleaning business insurance?

Insureon can help carpet cleaning businesses, house cleaning businesses, window cleaning companies, and janitorial businesses find affordable insurance coverage and peace of mind in three easy steps:

  1. Fill out a free online application with details about your business.
  2. Compare custom quotes from top-rated U.S. insurance companies.
  3. Select a policy and pay the premium to begin coverage.

You can consult a licensed insurance agent for questions about your risks, state insurance requirements, and the best carpet cleaning insurance for your company based on your business needs, such as why choosing a year-round policy over short term insurance may be a better choice.

Once you've bought a policy, you can download a certificate of insurance for proof of coverage. Most small business owners can get insured within 24 hours of applying for quotes.

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Updated: December 29, 2023
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