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.