Carpet Cleaning Insurance
The Insurance Marketplace for Carpet Cleaning Businesses
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Insurance Canopy & Carpet Cleaning Insurance
Your carpet cleaning business faces risks every day, such as spills and stains on the carpet from cleaning solutions, damage to a client’s possessions or property, and slip-and-fall accidents. Don’t let an accident sweep your financial resources away. Get comprehensive carpet cleaner coverage at an affordable price. Our licensed insurance agents are available to answer any questions you may have about insurance for carpet cleaning businesses. Contact us today for more information about carpet cleaning liability insurance.
Download Proof of Insurance
With our user-friendly portal, you can download proof of insurance and certificates immediately after purchase! Documents are available 24/7 to redownload.
Purchase Tools & Equipment Coverage
Ensure all of your supplies and equipment receive the same coverage. Tools & Equipment Coverage to your policy today.
Easily Add Additional Insureds
Add third parties to your policy at the time of purchase, or anytime through your user login! Help give reassurance to property owners or landlords who need coverage under your policy.
Get Peace of Mind with $2M in General Liability
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Get $2M in General Liability Coverage starting at $27/month.
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Maximum 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.
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.
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.
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
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.
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.
Optional Coverage Options
Tools & Equipment Coverage
Limits / Occurrence / Aggregate
Carpet Cleaning with Confidence
You work hard daily to build your carpet cleaning business. The best way to protect your business is to carry insurance, which may cover a third-party claim. Feel comfortable in each home or office space, with the added protection of insurance for your business.
Flexible Monthly Payments
Our customers enjoy the flexibility of selecting annual or monthly payments for their carpet cleaning business. Find the right solutions that work for you and ensure that your business will be protected in the event of an insurance claim! Contact us with additional questions regarding your payment options.
Digital Insurance Certificate
Many clients want to work with professionals who are insured. If you are bidding on contracts with clients who require insurance, you have come to the right place. Your application can be completed in 10 minutes or less, and Insurance Canopy customers provide a digital version of insurance policy documents immediately after purchase. These documents are available through your online account 24/7. Enjoy the convenience of our user-friendly portal to download your certificate and proof of insurance.
Questions About Carpet Cleaning Insurance
Carpet cleaning insurance is designed to cover claims related to the daily operations of your cleaning business, helping protect your business from a possible lawsuit. Insurance could help cover the medical costs, legal fees, and other damages from these unexpected claims.
A carpet cleaning policy provides coverage for general liability, damage to premises rented, medical expenses, and more. General liability means that if your client were to slip and fall on a surface you had just cleaned and they got injured, you would be insured in the event that you were held responsible for that.
As a business owner, you face a variety of risks. Carpet cleaning insurance is an essential piece of any company’s business strategy. One unfortunate incident can lead to an expensive lawsuit costing your business thousands. With the help of Insurance Canopy, you can financially safeguard your business if you were to face a third-party claim. When you clean with an insurance policy in place, you’ll be able to clean with confidence.
Liability insurance for carpet cleaning businesses can cover an array of accidents that could happen while on the job. If your carpet cleaner malfunctions and the carpet cleaner accidentally gets on the wood floor, your policy could cover the costs for the damage to the wood floor. If your client trips on your equipment, they could file a lawsuit against your business. Make sure you’re aware of the possible lawsuits that could be filed against your carpet cleaning business.
- General liability coverage: You have a $2,000,000 general aggregate, and $1,000,000 limit for each occurrence. This means that if one of your clients files a claim, you can be covered for up to $1,000,000.
- Products & Completed Operations Aggregate: This is 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, what’s not included in this policy is products that are sold, or distributed.
- Damages to Premises Rented: This applies to damage to premises rented to the insured and to damage regardless of cause to premises occupied by the insured for seven days or less.
- Personal and Advertising Injury Coverage: This includes coverage for claims of false arrest, detention or imprisonment, malicious prosecution, oral or written material which damages someone’s reputation, and violations of the right to privacy. It also provides coverage for claims of false advertising or for stealing someone else’s idea, logo, or other intellectual property. The cost for this also depends on the policy selection.
One of the most common claims that a carpet cleaner faces is a customer tripping on any cords or equipment. Customers can also slip and fall on any wet surfaces. Carpet cleaning chemicals can also damage or stain carpet if not used correctly. Be sure to train your employees properly so that you can mitigate these common risks.
The price of your carpet cleaning insurance policy will depend on a few factors, such as the size of your business, annual employee payroll (including owner), desired coverage amounts and limits, and the state where the business is located. A typical policy can start at $26.67 per month, and you receive immediate coverage from when you set the effective policy date. When purchasing your policy, you’ll need to provide some information, like how many people are employed and which territory you’re located in. You will also be given the option to add inland marine (equipment coverage) to your policy. When you complete your application, you will receive instant access to your policy documents.
Insurance coverage can instill confidence in your current and potential clients.
- Property managers and owners may require that you provide proof of insurance before they sign a contract with you.
- Liability insurance provides a layer of defense against claims such as bodily injury or property damage claims.
- If you use or transport your equipment to multiple locations, you will want to protect it against theft, damage, or loss with additional tools and equipment coverage.
- Financial peace of mind.
Whether your business requires cleaning insurance or not will depend on your location and the type of business you are operating. Even if your state does not require cleaning business insurance, carrying insurance can be a beneficial asset to your business and provide peace of mind while you operate. As a business owner, you travel to various locations for cleaning jobs and each job carries risks. While we hope that nothing goes wrong on the job, insurance is designed to protect your company’s assets if you are sued for bodily injury or property damage.
Yes, Insurance Canopy offers cleaning bonds! You can now easily purchase bonding after you complete your cleaning insurance policy purchase. When you log in to your customer dashboard, you can edit your policy options and choose an affordable bonding policy for your cleaning business.
We offer 2 janitorial bond limits, both with affordable annual pricing! Choose the right limit to cover your business needs. Get a $10,000 bond from $181 / year or select a $5,000 Bond from $134 / year. These can be found in your customer dashboard after you purchase your general liability policy.
Choosing the right insurance is critical.
Need additional information before making a decision?
Give our team a call today at 844.520.6993.
Carpet Cleaning Insurance
Monthly Policy: Starting at $26.67/month – Protect your business and equipment with complete cleaning business insurance! Work with our experts that understand possible claims you will face! Let us be your resource and answer any questions you may have.