Insuranks
Insuranks

Carpet Cleaning Insurance: Cost & Quotes From $11

For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!


For your business best protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

Just like window cleaning, roof cleaning, pool cleaning, or gutter cleaning companies, carpet cleaning companies face risks during their operations. Cleaning agents might spill on a client's carpet, leaving permanent stains. 

You might also damage their belongings; not to mention your client or employee might sustain injuries from slip-and-fall incidents. No one expects such occurrences, but they can affect your finances significantly if a claim is filed against your business. Getting comprehensive carpet cleaning insurance cushions you from incurring losses

Think of insurance for carpet cleaning business as proper risk management and proof to clients that you are committed to quality service. Let’s discuss the most common carpet cleaning insurance requirements before talking about the functions of the insurance policies you want to purchase.

Carpet Cleaning Insurance Requirements

Liability insurance is very important. Specifically, you must have a $1 million-$2 million public liability or general liability insurance. You need one of these policies to bid for projects, close contracts easily, and comply with project terms. 

You might also need bonds to comply with carpet cleaning insurance requirements. For example, you’ll need surety bonds to assure clients that they can get reimbursement for financial losses in case you need to bail out of the project halfway.

If you have employees, then don’t forget workers compensation insurance. Employers not covered by workers comp insurance will face heavy fines and penalties.


Carpet Cleaning Liability Insurance

A comprehensive insurance package should include carpet cleaning liability insurance, specifically general liability, public liability, or professional liability. These latter will protect your business from the cost of third-party claims.


General Liability Insurance For Carpet Cleaners


CoverWallet NEXT (Best)Thimble Hiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Products and completed operations aggregate limit 
$2,000,000
$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $1000,000
$100,000$5,000$100,000
Waiver of subrogation included?YesNoIncludedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedExcluded
Equipment breakdown floater included?No YesYesExcluded
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes
YesYes
Deductible$0$0$0$0

 

The first carpet cleaner liability insurance policy that's worth investing in is general liability insurance. This safeguards your carpet cleaning business from claims of property damage, bodily harm, and any other damages reported by aggrieved third parties.

Use the table above to compare the best companies’ carpet cleaning insurance quotes for a general liability policy. 

Consider this. Suppose a delivery person, who is bringing a customer's carpet to your facility, trips over some cleaning equipment left unattended. There's quite the likelihood that you would be found liable for the injury. If the said delivery guy were to file a lawsuit, you'd have to pay for the legal bills, including those of hiring a lawyer. In this case, the general liability policy covers the following:

  • Third-party medical bills

  • Settlements

  • Attorney's fees

  • Court-ordered judgments

 

Now, suppose as you are cleaning the carpets, you accidentally break the industrial floor cleaner that you'd leased out from another player in the niche. There's a likelihood that this partner would sue you for the property damage. If you are armed with general liability insurance, you don't have to fret, as the policy will pay for the cost of repair or replacement. What's more, if they were to sue you, the policy would cater for all legal expenses arising from said claims.

Further, suppose in an effort to rally customers for your business, you end up using another company's logo or slogan. This competitor could sue you for advertising injuries. Fortunately, your general liability policy also covers this exposure. 

Further, most carriers give room to add endorsements to your general liability policy to help you navigate through the unique challenges that your carpet cleaning business faces. Some of the add-ons you should consider include:

 

Care, Custody or Control (CCC) 

Suppose while cleaning the carpet, you open a door too wide, and it knocks the wall causing a hole in the drywall. Typically, the general liability policy won't cover such damage. Fortunately, with the care, custody, or control endorsement, accidental damage to a third party's property is catered to.

 

Lost Key Liability Coverage 

To ease operations, most clients will surrender their keys to you for you to easily gain access to their property and clean their carpets while they are away. Unfortunately, these keys could get lost. With the lost keys coverage, you are assured that the cost of repair or replacement of said keys is catered for.


Public Liability Insurance For Carpet Cleaners

Public liability coverage is a type of carpet cleaners liability insurance policy that protects your carpet cleaning business from claims filed by clients, contractors, or members of the public because of bodily injuries or property damage caused by your business activities.

In a way, public liability insurance for carpet cleaners is similar to general liability insurance. However, there’s one key difference. Public liability insurance isn’t very common in the USA. And even if you manage to get it, you’ll find that public liability insurance only provides the minimum level of coverage as it doesn’t have the optional policies we discussed above. 


Professional Liability Insurance For Carpet Cleaners


CoverWallet NEXT Thimble (Best)Hiscox
Per occurrence limit $1,000,000$20,000/$25,000$1,000,000/$2,000,000$1,000,000
Aggregate limit $2,000,000$50,000$1,000,000/$2,000,000$1,000,000
Name additional insureds?YesYesYesYes
Waiver of subrogation included?YesNoYesCan be included
Deductible $500$500$500$50/$10,000

 

Other than general liability or public liability insurance, you want to include a professional liability policy as part of your carpet cleaner liability insurance package.

This business insurance for carpet cleaners kicks in if you caused economic or financial loss for the client by committing:

  • Negligence - A new employee of your cleaning business washed an expensive carpet with bleach. The employee in question should’ve remembered not to do so as there’s a manual. The client had to spend money to replace the damaged carpet. To get reimbursement, she sued your business for property damage caused by grave negligence

  • Misrepresentation - An employee handed the wrong quote to a customer. Upon asking for payment, it turned out that the service provided was more expensive. The customer then sued for misrepresentation and accused your business of making the price look cheap on paper to attract leads 

  • Violation of good faith - A hotel asked you to clean the carpets in their storehouse. In the contract, it was stated that cleaning should be done by Friday. However, delays happened and your business failed to follow the end of the deal. As a result, the hotel incurred losses since the carpets were supposed to be used for a grand event. To recover, the hotel filed a lawsuit


With professional liability insurance, also sold as professional indemnity insurance, you are assured that the legal fees and settlement costs will be paid out.

Other than professional liability and general liability or public liability insurance, there are additional policies you want to be included in your carpet cleaner insurance package such as tools and equipment, commercial property, etc.


Commercial Umbrella Insurance For Carpet Cleaners

There's a chance that a claim could surpass the limits that exist within your current policies, including general liability insurance. A cost-effective approach to cushion yourself from such an eventuality would be to invest in a commercial umbrella policy. This supplements the limits of your existing insurance so that they can cover a claim even if policy limits have been reached. 

Compare Cheap Carpet Cleaning Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Tools And Equipment Insurance For Carpet Cleaners


NEXT (Best)ThimbleHiscox
Aggregate limit$5,000/$10,000$2,500/$5,000$5,000/$25,000
Covers hired and borrowed equipment?$5,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


Carpet cleaning machines aren’t cheap. Those made for commercial purposes cost $1,000-$2,000.

You don’t want to spend a lot of money in case something happens to your carpet cleaning equipment. That said, it’s smart to get tools and equipment insurance.

Tools and equipment insurance takes care of repair or replacement expenses in case your carpet cleaning machines get damaged or lost because of fire, theft, vandalism, and other covered perils.

Use the table above to compare the tools and equipment insurance of companies we recommend.

Commercial Property Insurance For Carpet Cleaners


CoverWalletNEXT (Best)HiscoxThimble
Building coverage limit (minimum)$50,000$25,000$25,000$25,000/$500,000
Contents coverage limit (minimum)$50,000$25,000$25,000$25,000/$500,000
Outdoor signsExcluded$2,500ExcludedExcluded
Accounts receivableExcludedExcludedIncluded$5,000/$10,000
Money and securitiesExcluded$2,500Included$1,000
Lock and keysExcluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcludedExcluded$10,000
Employee dishonesty floaterExcluded$5,000Included$2,500


Chances are that as a business, you've accrued some assets that you'd want protected. This might include building space and supplies. The best way to protect said assets is with a commercial property insurance policy.

Carriers offer you the option of either insuring the assets at either replacement cost or actual cash value. Use the table above to compare the commercial property insurance of companies we recommend.

With the replacement cost option, you'll end up paying a tad bit more upfront, but you are assured that the reimbursement for losses will be equal to the original market price of the building or equipment covered by commercial property insurance.

The actual cash value is less pricey but the reimbursement you’ll get might not be enough to totally cover the loss. It’s because the amount of money you’ll receive will be equal to the depreciated value of the item or equipment that commercial property insurance covers.


Business Owner’s Policy For Carpet Cleaners


CoverWalletThimbleNEXT (Best)Hiscox
General liability aggregate limit$2,000,000$1,000,000/$2,000,000$1,000,000$300,000/$2,000,000
Commercial property coverage limit$50,000$500,000$25,000$25,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes


Some carpet cleaner insurance programs allow you to bundle general liability insurance and commercial property insurance into a business owner's policy (BOP).

Use the table above to compare the business owner’s policy of insurance companies we recommend.

A business owner’s policy grants a quick and comprehensive shield against the financial losses that result from lawsuits and damage or destruction of your own business property.

Note, however, that for you to qualify for a BOP, there are a few prerequisites that you must meet. These include the following:

  • Have fewer than 100 employees

  • Make less than $1 million in annual revenue

  • Operate from a small commercial space

With the BOP, you are assured of getting the same coverage you would have if you would have purchased individual policies at a fraction of the price. An insider tip would be to have your insurer include a business interruption clause within the BOP. This business interruption policy covers part of the operating costs in the event that you are forced to close down your business because of renovation, relocation, or economic crisis.


Workers' Compensation Insurance For Carpet Cleaners

You need to invest in employee welfare - and we don’t mean life insurance. Aside from this, you also need to buy an insurance policy that covers employees immediately in case they become injured or sick while working.

Workers compensation insurance kicks in if an employee gets injured or sick because of work. It helps to pay for the employee’s emergency treatment, hospitalization, after-hospital visits, and medical expenses. If the employee needs to stay at home to continue healing, workers compensation replaces a portion of the income lost. Furthermore, this policy provides benefits to the family if the employee dies.

You can add an employer’s liability coverage to workers compensation insurance. So what is this carpet cleaners insurance policy anyway? An employer’s liability coverage takes care of settlements, legal expenses, and court judgments if an employee holds you liable for his or her work-related injury or disease.


Commercial Auto Insurance For Carpet Cleaners

Your carpet cleaning business certainly owns one or two vehicles. Vehicles are useful for taking employees to different projects. Moreover, they’re handy for transporting different kinds of work equipment.

Consider covering your business’s vehicle with commercial auto insurance. Commercial auto insurance offers auto liability coverage, physical damage coverage, and emergency roadside assistance. Let’s discuss how these help.

Auto liability coverage in commercial auto insurance covers costs if your carpet cleaning business’s vehicle caused an accident and injured third parties or caused property damage. You can use the insurance money from auto liability coverage to pay for defense costs and settlements to aggrieved parties. Remember one thing though, auto liability insurance might not help if the vehicle’s driver is driving under influence.

Auto liability insurance only covers the injuries of third parties. It won’t provide money to take care of the injuries of your business vehicle’s passengers.

Commercial auto insurance’s physical damage coverage can be classified into two types - collision and comprehensive. Collision physical damage coverage shoulders repair or replacement costs if your business’s vehicle collided with an object or another vehicle.

On the other hand, comprehensive physical damage coverage takes care of repair or replacement costs if fire, theft, vandalism, and extreme weather damages your commercial vehicle. But understand that there are exclusions too, which vary from carrier to carrier.

Think about scenarios where your carpet cleaning business’s vehicle suddenly stalls during the trip because of issues. Of course, you’ll have to spend to get it running once again or haul it back to the office.

Emergency roadside assistance sees to it that you can recover losses if such things happen. In a nutshell, this optional coverage in commercial auto insurance reimburses what you spent for battery jump start service, tire repair or replacement service, towing service, and more.


Crime Insurance For Carpet Cleaners

Crimes can happen to any business. That’s why carriers underwrite special protection called crime insurance.

Basic crime insurance helps you recover financial losses if third-parties manage to do the following successfully against your carpet cleaning business:

  • Fraud

  • Theft of equipment or money

  • Destruction of equipment or money

  • Social engineering

  • Unauthorized credit card transaction

  • Unauthorized use of cheques

  • Misrepresentation

  • Document manipulation


Purchasing crime insurance isn’t common as most businesses decide to self insure. However, this can be very helpful if losses are worth millions of dollars.

Not only third parties but employees can commit a crime against your carpet cleaning business. Employees might do bad things because they’re not paid well enough, feel that the organization lacks opportunities, or are simply dishonest. No matter what the reason might be, understand that basic crime insurance doesn’t cover losses resulting from an employee’s crimes. And so, decide to add employee dishonesty insurance.

Employee dishonesty insurance covers financial losses and PR costs if an employee commits any of the following:

  • Siphoning customer refunds to his or her own personal bank account or any other platform that stores money

  • Stages a scene with someone to steal money, valuable equipment, or materials from your carpet cleaning business

  • Inputs the wrong figures on financial documents to cover theft

  • Destroys your business’s money, cheques, bonds, or securities

  • Other kinds of activities constituting fraud or dishonesty


Surety Bonds

Suppose, due to an unprecedented event, you are unable to finish a contract. This leaves your client exposed, which is where a surety bond comes in. The latter is a three-party agreement between your business, the client, and your carrier of choice. The insurer agrees to compensate the client in the event that you fail to complete the job as per the agreement on the contract.

Note that while you are bailed out in the short term, you'd still be expected to pay the bond company the exact amount that was paid out to the client.

Moreover, surety bonds come in particularly handy if you were to win a big commercial contract. In this case, the client could mandate that you present proof of your commitment to the task at hand, which is where the surety bond would come in.

Rank and Review Insurance Companies

Help others make better decisions

Show more

Carpet Cleaning Business Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$35$420$0-$500
Professional liability insurance$39$468$500-$1,000
Commercial property insurance$45$540$1,000-$2,500
Business owner’s policy$72$864$500-$1,000
Commercial auto insurance$50$600$1,000-$1,500
Workers compensation insurance$83$996$2,000-$5,000
Employee crime and dishonesty insurance$53$636$1,000-$2,000
Tools and equipment insuranceCost usually added to general liability insuranceCost usually added to general liability insurance$500

 

The average carpet cleaning business insurance cost is $35 per month or $420 per year for a $1 million general liability policy. To arrive at the premium you'd pay for a specific the carpet cleaning business insurance, carriers consider the following:

  • The size of your carpet cleaning business

  • The carpet cleaning services offered

  • Types of cleaners used

  • Number of employees

  • Value of business property and equipment

  • Deductibles and policy limits you choose

 

If you were to work with the best carpet cleaning insurance companies in the market, here's how much you'd ideally pay for their $1 million general liability policy:


Cost per MonthCost per YearBest for
NEXT$22.38$268.56Best overall; Fastest general liability insurance for carpet cleaners
CoverWallet$25$300Carpet cleaning insurance online quotes comparison
Tivly$26$312Comparing carpet cleaning insurance quotes over the phone
Hiscox$27.78$333.36Number of discounts offered
Thimble$30$360Short-term carpet cleaning insurance

Compare Cheap Carpet Cleaning Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Carpet Cleaning Insurance Companies

You've worked hard to build your carpet cleaning business. The best way to protect all your hard work and financial investment is to work with the best carpet cleaning insurance companies. Here's a list of carriers you should consider. Read the reviews below to know their pros, cons, and cost of a $1 million general liability insurance. 

 

NEXT Carpet Cleaning Insurance

Pros

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for carpet cleaners

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

 

Cons

  • Couldn't’ find any 

NEXT Insurance was launched in 2014 with the aim of delivering cheap insurance to small businesses. The carrier eliminates middlemen from the policy purchase process by leveraging technology. As a carpet cleaner, you can purchase general liability insurance for $22.38 per month or $268.56 annually. Spend more on premiums and get the deluxe coverage that offers general liability insurance, workers' compensation insurance, and commercial property insurance. You have the option of adding on tools and equipment coverage.

Best for: Best overall; Fastest general liability insurance for carpet cleaners

Average cost: $22.38 per month

Our rating: 10/10


CoverWallet Carpet Cleaning Insurance

Pros

  • Find carpet cleaning business insurance quotes and compare the pricing of different carriers

  • Get insured online

  • Live customer support

  • Stable and cheap rates

Cons

  • Not an insurance company but an insurance broker 

CoverWallet doesn’t have a tailored insurance product for carpet cleaning businesses. However, you might get covered by the company’s cleaning business insurance, which offers four insurance options. General liability only, general liability and commercial property, business owner’s policy with workers compensation insurance, and a custom plan. 

With CoverWallet, you can get a free certificate of insurance, get insured, and pay premiums online. You can also file claims via the MyCoverWallet App or website. Additionally, tracking your claims is easy. All you need is to contact a CoverWallet live agent or call customer service by phone. 

Best for: Finding cheap carpet cleaning business insurance carriers online

Average cost: $25 per month

Our rating: 10/10


Tivly Carpet Cleaning Insurance

Pros

  • Call and compare carpet cleaning insurance quotes over the phone

  • Responsive customer service

  • A partner of many reputable insurance companies

  • Tivly’s coverage can be bought from other insurance companies

Cons

  • You need to call to get a quote

Get in touch with Tivly if your carpet cleaning business is involved with highly specialized projects. This insurance company provides a highly tailored coverage that addresses the risks unique to you. Call Tivly now to talk with a representative and compare carpet cleaning insurance quotes over the phone. 

Best for: Comparing carpet cleaning insurance quotes over the phone

Average cost: $26 per month

Our rating: 10/10


Hiscox Carpet Cleaning Insurance

Pros

  • No added fees on monthly payment options

  • A wide array of coverage options

  • Policyholders can get a quote and purchase policies online

  • Discounts of up to 5% are available if policyholders purchase two or more Hiscox products

  • 14-day money-back guarantee

Cons 

  • Hiscox is not a BBB-accredited business

Headquartered in Bermuda and listed on the London Stock Exchange, Hiscox is a long-standing business insurance provider that offers carpet cleaners general liability, professional liability, BOP, and cyber insurance. Policyholders working with Hiscox can expect to leverage the almost 120 years of experience that the insurer has accrued.

What stands out about Hiscox is the number of discounts offered. Policyholders can take advantage of small business discounts, new customer discounts, bundling discounts, or refer-a-friend discount.

Best for: Number of discounts offered 

Average cost: $27.78 per month

Our rating: 9/10 


Thimble Carpet Cleaning Insurance

Pros

  • Policyholders can get a quote and purchase insurance online in minutes

  • Monthly, daily, and even hourly coverage is available

  • Quick to issue an estimate of your rates

Cons

  • Customer support is only available online

Thimble is a relatively new player in the commercial insurance field, having only been started in 2015. While its flagship product was general liability policies, the carrier has since expanded its policy offering to include other policy options and a wide array of industries, including carpet cleaning insurance.

You can get general liability coverage, commercial property insurance, and business interruption insurance. Optional coverages are available for a customized policy to ensure you get the coverage that meets your unique business risks.

Best for: Short-term carpet cleaning insurance

Average cost: $30 per month 

Our rating: 8/10


Recent Reviews

Recent Posts