Tailored Carpet Cleaning Insurance to Protect Your Business from Dirt to Disaster
Don't get stiffed by stains! Get affordable insurance for cleaning mishaps, damage, and lost gear.
- Wallet-Friendly Coverage
- Built for Small Businesses
- Instant Proof of Insurance!
Why Do Carpet Cleaning Businesses Need Insurance?
Carpet cleaning businesses encounter various risks inherent to their operations, ranging from accidental property damage to unforeseen bodily injuries. Without adequate insurance coverage, these risks can lead to significant financial losses and legal liabilities for the business. Learn more about common claims for cleaning businesses here.
If you shatter a client’s priceless vase
Oops! No worries – we’ll replace or repair the item in no time.
If your cleaning efforts lead to carpet damage
Whoopsie-daisy! We’ll cover the costs for any accidental spills or damages.
If a client or their pet gets injured during your cleaning session
Don’t worry, we’ll handle medical bills and legal fees.
If your cleaning gear gets damaged while on the job
No need to stress! We’ll cover the costs for any water damage or issues.
How Much Does Carpet Cleaning Insurance Cost?
Carpet cleaning insurance starts at just $39 per month. However, the final cost can vary depending on several factors, so it’s important to understand what influences your insurance pricing.
With our simple online application, you can get a customized quote for your exact business needs in less than 5 minutes!
Save when you choose annual!
Pay once and save! Pay upfront for the year and enjoy up to a 12% discount, all while having the peace of mind that your carpet cleaning insurance is fully covered.
“Signing up was easy. It’ll give any client the comfort of knowing that you have coverage.”
Plus, it’s a good, affordable coverage that covers what I need. I definitely recommend it to people—including my son and those in other industries. I tell them to call Insurance Canopy and get covered, because it’s not overly expensive. When other people in the cleaning industry say they’re not insured, I say, “Why? It’s literally $39 per month.”
– Nicole H., Owner of Nothing But Perfection
Protected by Insurance Canopy Since 2022
What Does Insurance for Carpet Cleaners Cover?
We recommend carpet cleaners to include several different coverages in their insurance policy. Our recommended coverages include:
Included
General Liability Coverage
Bought by 100% of carpet cleaning business owners like you, general liability coverage protects carpet cleaners from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client trips over equipment while the carpet cleaner is working on-site, general liability insurance can help cover medical expenses and legal costs associated with the incident.
Add-Ons
Cyber Liability Coverage
If your business faces a cyberattack or data breach, this insurance covers the costs of getting back on your feet, like legal bills, notification expenses, and credit monitoring for affected individuals.
Tools and Equipment Coverage
Tools and equipment coverage, also known as inland marine, provides protection for the valuable equipment used by cleaners. This insurance steps in when your trusty tools get damaged or stolen while on the job. With this insurance, you can keep your cleaning game strong without worrying about unexpected financial messes.
Bonds
Bonds are ‘trust boosters’ for your cleaning business. They reassure your clients that you’ll stick to your promises and clean with integrity. If anything goes amiss, like a mishap or a missing item, the bond steps in to make things right
Additional Insureds
Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your policy. This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.
Workers Compensation Coverage
When it comes to carpet cleaning, it’s important to be aware of the various hazards that your team might face — like slips and falls or even repetitive strain injuries from using cleaning equipment. That’s why having workers compensation is critical, as it helps cover medical costs and any lost wages if an employee gets hurt while working.
Remember, most states have specific requirements for workers compensation that depend on how many employees you have, so it’s a great idea to check the regulations in your state.
Commercial Auto Coverage
Reliable transportation is key for carpet cleaners. Whether you’re hauling cleaning equipment, carrying cleaning supplies, or traveling between client locations, it’s important that your business stay moving. Commercial auto insurance is crucial to protect your business if an accident occurs while you’re on the road.
This coverage can cover vehicle damage and medical expenses.. Personal auto insurance typically doesn’t extend to business-related driving, and in many states, commercial auto insurance is required.
What Exclusions Should I Be Aware Of?
When considering insurance for a carpet cleaning business, it’s important to be aware of the following exclusions.
What’s Not Covered?
- Water removal/extraction, mold remediation, fire, smoke, flood or other disaster services
- Operations involving construction debris removal
- Construction, maintenance, repair, renovation, or property preservation service
- Cleaning of the exterior of buildings and/or power washing other than from the ground level
- Chimney cleaning
How Do I Know What Insurance Coverage I Need?
Here are some tips to help you assess your coverage needs based on your business size, equipment, and services offered.
New and Growing Businesses
For new and growing cleaning companies with more frequent client meet-and-greets and moderate risk. Let’s keep those mops spinning! Example: Your small but mighty crew tackling homes and light commercial spots like pros.
- General Liability: $500,000 per incident / $1,000,000 per year.
- Tools and Equipment Insurance: $2,000 per incident / $6,000 per policy year (+$4.58/month).
Established Business
- Best for established cleaning champions with a big client base and higher stakes. Time to bring out the big guns!
- General Liability: $1,000,000 per incident / $2,000,000 per year.
- Tools and Equipment Insurance: $5,000 per incident / $10,000 per policy year (+$5.00/month).
- Example: A bustling operation with a crew of experts, handling carpets and complex jobs like a boss.
- Note: Our coverage is available for businesses with payroll under $200K and annual revenue under $1.5M.
To Bond or Not to Bond, That is the Question!
A bond provides an additional layer of protection for your clients, ensuring that they are compensated in case of theft or damage caused by your employees. You have the option to:
- Include: Adding a bond can enhance your business’s credibility and provide peace of mind to your clients.
- Opt out: If you have a strong reputation and trust with your clients, you might decide not to include a bond.
Coverage Limits for Carpet Cleaning Insurance
Maximum Cleaning Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
Have questions?
Our licensed agents are available to answer any questions you may have (se habla español)
Why Carpet Cleaners Choose Insurance Canopy
When it comes to safeguarding your carpet cleaning business, there’s no room for compromise. That’s why carpet cleaners across the country choose Insurance Canopy for peace of mind and reliable protection.
Insurance You Can Rely On
Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏
Simplified Coverage
Comprehensive, personalized insurance for your business – only pay for what you need
Expert Support
Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!
Hear What Our Real Carpet Cleaning Clients Have To Say
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Got Questions? We’re on it.
Is my carpet cleaning insurance policy effective immediately?
Yes, it sure is! You get to choose when your policy starts while you’re buying it. Coverage kicks in right after you finish your purchase, and you even get a nifty badge to show you’re insured!
Can I cancel my carpet cleaning policy at any time?
You may cancel your policy at any time, but there is no money-back guarantee on months that you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.
The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.
How do I file a carpet cleaning business claim?
Filing a claim with Insurance Canopy is easy. Here’s what to do:
- Make a Report: If something happens, like theft or property damage, report it to the appropriate authorities. Gather important details such as dates, locations, and contact information for everyone involved.
- Gather Paperwork: Get all the necessary documents ready, like your insurance policy details, receipts for damaged or stolen items, and any incident reports.
- Submit a Claim Online: Log in to your user account, go to the “Manage Policies” section, and click on “File A Claim.” Fill in the required information and submit your claim. Most claims are processed within 24–48 hours.
If you have any questions or need help, our team is here for you. Just reach out!
How do I renew my carpet cleaning insurance policy?
Renewing your cleaning business insurance with Insurance Canopy is a breeze thanks to our EZ-Renew feature, which automatically renews your policy each year. If you prefer not to use EZ-Renew, you’ll need to fill out a new application to continue your coverage. As your business grows, our support team is here to help. Need to tweak your coverage limits, shuffle around some coverages, or adapt to new client demands? Just contact our support team, and we’ll ensure your policy grows right alongside your business.
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 9 am – 5 pm MDT
(se habla español)
Keep Your Business Spotless With Our Insurance
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