How much does carpet cleaning insurance cost?

Carpet cleaning businesses pay a median premium of $54 per month or $650 annually for general liability insurance.

This policy protects carpet and upholstery cleaners against lawsuits over customer property damage and injuries, such as an employee running a carpet cleaner into an antique chair. It also protects against advertising injury lawsuits, such as a competitor suing your company for saying something negative about them on social media.

• Median cost per year: $650
• Median per-occurrence limit: $1 million
• Median aggregate limit: $2 million
• Median deductible: $500

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's general liability insurance cost analysis page.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy (BOP), which bundles general liability insurance with commercial property insurance, often at a discount. It protects your own business property and cleaning equipment and guards against common third-party risks.

Cleaning businesses in general pay a median premium of $43 per month or $520 annually for a BOP, likely because only small, low-risk businesses are eligible.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's business owner's policy cost analysis page.

Most companies purchase commercial umbrella insurance to satisfy a client’s requirements for higher limits on their general liability insurance. Cleaning businesses in general pay a median premium of $63 per month or $758 per year for this policy.

Umbrella insurance boosts the limits of your carpet cleaning company’s general liability, commercial auto, or employer’s liability insurance in $1 million increments. Once the underlying policy’s limit is reached, umbrella insurance provides additional protection. Your premium depends on the amount of coverage that you buy.

Learn how to save money on your policy, which coverage limits to choose, and more on Insureon's umbrella insurance cost analysis page.

The median cost of workers’ compensation insurance for cleaning businesses is $149 per month or $1,786 annually. The cost depends on which state your business is located in, the number of employees you have, and your profession’s risks.

Workers’ compensation is required in almost every state for carpet cleaning businesses with employees. This coverage helps pay medical bills and lost wages for employees who are injured on the job. Most policies include employer’s liability insurance, which provides protection in case one of your carpet cleaners sues over a work injury.

Learn how workers' comp premiums are calculated and more on Insureon's workers' compensation insurance cost analysis page.

Carpet cleaning businesses pay a median premium of $170 per month or $2,040 per year for commercial auto insurance. This policy covers property damage and medical bills due to an accident involving your business vehicle, along with vehicle damage and theft.

Businesses with company-owned vehicles, such as a van used to transport carpet cleaners and shampooers, must purchase commercial auto insurance. The cost will vary depending on the type and number of vehicles your business owns, together with factors like how often they are driven.

Learn how coverage limits and other factors affect the cost of this policy on Insureon's commercial auto insurance cost analysis page.

With a median cost of only $8 per month or $100 per year for cleaners, a janitorial bond is an affordable way to gain client trust. The cost of a janitorial service bond is determined by the amount of coverage you purchase.

A janitorial bond is a type of surety bond that protects against losses caused by dishonest employees. If an employee at your carpet cleaning business steals from a client, the bond would reimburse them for the loss. However, this bond doesn’t cover damage to a client’s property.

To learn more about the cost of surety bonds, visit Insureon's surety bonds cost analysis page.