Carpet Cleaning Insurance
Affordable insurance for cleaning mishaps, damage, and lost gear to let your business shine!
- Covers Property Damage & Stains – Protection if cleaning causes damage
- Meets Contract Requirements – Win residential and commercial contracts
- Protects Your Gear – Add protection for machines, hoses, and supplies
4.7/5 on
Why Do Carpet Cleaning Businesses Need Insurance?
Carpet cleaning comes with hands-on risks — spilled chemicals can stain hardwood floors, equipment can scratch surfaces, and slippery work areas can lead to customer injuries. Even a small mistake can result in costly damage or a lawsuit. Without the right insurance, you could face serious financial setbacks and legal headaches. Don’t let one claim ruin your reputation or stall your growth. Protect your cleaning business with coverage built for the real risks you face every day.
If a cleaning solution discolors or ruins a client’s flooring
General liability insurance can help pay for the damage and replacement costs.
If an employee slips on a wet floor and sprains their ankle
Workers compensation coverage can assist with medical bills and lost wages.
If a client or their pet gets injured during your cleaning session
General liability can cover legal fees, medical expenses, and any settlements.
If your portable extractor breaks down or a wand is damaged during a job
Tools and equipment coverage can help repair or replace the damaged gear.
How Much Does Carpet Cleaning Insurance Cost?
Carpet cleaning insurance starts at just $39 per month. However, your final cost can vary depending on several factors, so it’s important to understand what influences your insurance pricing.
Enjoy a 12% discount and one-time payments when you purchase an annual policy, ensuring your peace of mind year-round.
“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
Recommended Coverage For Carpet Cleaners
We recommend including these essential coverages in your carpet cleaning insurance policy. Just make sure to review any excluded activities before you buy, so you know exactly what’s covered.
Included
General Liability Coverage
General liability insurance provides essential coverage for carpet cleaners working in clients’ homes or businesses. It covers common risks like client injuries, property damage, and even advertising claims.
If a customer trips over your vacuum hose or you accidentally damage their flooring or furniture, this insurance helps cover medical bills, repairs, or legal costs.
Note: This blanket coverage only protects your business from claims made by clients or other third parties — not your employees.
Add-Ons
Workers Compensation Coverage
Workers compensation insurance is key for carpet cleaning businesses with employees. It covers work-related injuries and illnesses — whether someone slips on a wet floor, strains their back moving heavy equipment, or gets hurt using machinery.
If an employee gets injured on the job, workers comp can help pay for medical care, lost wages, and even rehabilitation. It also protects your business from costly lawsuits related to workplace accidents.
Most states require it if you have employees, and having it shows your team that their safety is a priority.
Commercial Auto Coverage
Commercial auto insurance is essential if your carpet cleaning business uses vehicles for jobs, whether it’s a company van loaded with equipment or a personal car used for client visits.
It covers accidents, vehicle damage, medical bills, and legal costs if you or your team are involved in an accident while working. It also protects against theft or vandalism of your work vehicle.
Tools and Equipment Coverage
Tools and equipment insurance (inland marine) is crucial for carpet cleaning businesses that rely on specialized gear like carpet extractors, steam cleaners, and vacuums. This coverage helps protect your valuable tools from damage, theft, or breakdowns while on the job.
If your equipment is damaged during cleaning or stolen from your vehicle, this insurance can cover repair or replacement costs, allowing uninterrupted operations and preventing major financial setbacks from unexpected tool issues.
Janitorial Bonds
Janitorial bonds help your business recover from employee theft or dishonesty. If an employee steals from a client or damages their property, a janitorial bond can reimburse the client for their losses.
These bonds protect your business and enhance your reputation by demonstrating your commitment to security. For carpet cleaning businesses, having a bond builds trust, especially for clients worried about inviting strangers into their homes or businesses.
For the best protection, get a janitorial bond after getting a general liability insurance policy. At Insurance Canopy, you can get a bond starting at just $131 per year, which ensures your business is protected against theft while boosting your credibility with clients.
Additional Insureds
Additional insureds refer to individuals or businesses included in your carpet cleaning policy, enabling them to benefit from your coverage. Property owners or contractors frequently request this to guarantee their protection in case any issues arise during your work, like property damage or personal injury.
For instance, when cleaning commercial spaces, property owners might request to be included as additional insureds. This expansion of your coverage safeguards them in the event of an incident.
Cyber Liability Coverage
Cyber liability insurance protects your carpet cleaning business from risks related to data breaches, hacking, or cyberattacks. If sensitive client information, like credit card details or personal addresses, is compromised, this coverage helps cover the costs of notifying clients, managing the breach, and legal expenses.
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, non-commissioned agents are here to help you find the perfect carpet cleaning liability insurance for your needs. Feel free to reach out with any questions!
Monday to Friday, 8 am – 8 pm EST
se habla español
Why Carpet Cleaners Choose Insurance Canopy
When it comes to carpet cleaning business insurance, there’s no room for compromise. That’s why carpet cleaners across the country choose Insurance Canopy for peace of mind and reliable protection.
Affordable and Transparent Policies
Our policies are clear and straightforward, with no hidden surprises — providing reliable protection for your cleaning business.
Tailored for Small Businesses Like You
We’re aware of the unique risks cleaners face. Our coverage is designed to protect your expertise and support your business as it grows
100% Online With Human Expert Support
Manage everything online with ease, knowing that personalized support is here for you when you need it. We’re happy to assist you every step of the way.
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
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
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions You've Asked Us About Carpet Cleaning Insurance
Is my carpet cleaning insurance policy effective immediately?
Yes. You get to choose when your policy starts. After payment, you’ll receive instant coverage confirmation and your Certificate of Insurance (COI). You’ll even get a badge for your website — so both prospects and clients know you’re insured with the best carpet cleaning company insurance out there!
Can I cancel my carpet cleaning policy at any time?
You may cancel your policy at any time, but any refund will be limited to the remainder of your policy term. Remember, insurance only offers protection while your policy is active, so make sure you have continuous coverage to stay protected.
Note: If you file a claim after canceling your insurance, you won’t be covered unless your policy was active when the incident occurred.
How do I file a carpet cleaning business claim?
Filing claims with Insurance Canopy is simple. Here’s what to do:
- Log in to your dashboard.
- Find “Manage Policies.”
- Click on “File a Claim” and share your info.
After you submit a claim, a claims adjuster will reach out to assist you. They will guide you through each step to ensure you understand the progress of your claim.
How do I renew my carpet cleaning insurance policy?
Your policy will automatically renew at the end of your policy term, ensuring you enjoy uninterrupted coverage! We’ll send an email reminder before it renews, so you’ll always be in the loop about billing. If you’d like to make any changes or adjustments to your policy, our support team is here and ready to help!
Your Future Is Spotless With Our Carpet Cleaner Insurance
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