Carpet cleaning insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the carpet cleaner insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
Carpet cleaning insurance requirements
Carpet cleaners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
Frequently asked questions about business insurance
Here are some of the most common questions we get about carpet cleaning insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
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What is Carpet Cleaning Insurance?
As a term, carpet cleaning insurance covers the different types of small business insurance you should carry as a carpet cleaner. The term acts much like window cleaning insurance and cleaning business insurance.
How Much Does Carpet Cleaning Insurance Cost?
Like most other insurance types, carpet cleaning insurance premiums are highly dependent on the coverage limits you choose. Insurance Canopy lists three tiers with its inland marine coverage:
Final Thoughts
Carpet cleaning insurance covers insurance types that a carpet cleaner might want to carry, such as general liability, commercial auto, workers’ compensation and janitorial bonds. You might also find special general liability products created for carpet cleaners. Costs tend to range around $35 per month for specialty carpet cleaning insurance.
Why do I need carpet cleaning insurance?
A tenant comes home to find that their toilet hose has burst, spewing water onto the carpeted floor of their apartment, drenching all the way through to the apartment below. The management company sends the one person they need desperately, you, the professional carpet cleaner, to assess the water damage restoration.
What does Carpet Cleaning Insurance cover?
Thimble’s policies are designed to protect carpet cleaners from liability in situations like:
Quick-thinking insurance for fast-moving businesses
Less questions. More options. Buy a policy online, in the app, or over the phone in minutes. Get to work before the other guys even call you back.
Protect Your Business From Wear and Tear With Carpet Cleaning Insurance
Your attention to detail and the ability to revive a space has won you many happy customers. Now, it’s time to protect what you’ve created with business insurance. At Simply Business, we’re dedicated to helping you maintain a thriving cleaning service through the good, the bad, and the dirty.
What type of carpet cleaning insurance do I need?
We know that decoding insurance policies and laws can be daunting, so we do our best to keep it simple. There are two types of insurance you may need — general liability and workers compensation. While we always recommend business insurance, it’s often required by state law, too.
Why Should I Get Carpet Cleaning Insurance?
What’s better for maintaining flooring — routine, preventive maintenance, or waiting until it’s way past dirty to try to clean it? Just as preservation is preferable in cleaning services, looking after your business before you need it is imperative.
Carpet Cleaning Insurance FAQs
Your location determines your business insurance requirements, since each state makes its own rules. However, general liability insurance is a common requirement for carpet cleaners. Your free quote considers your location and provides you with the conditions that apply to you. Our licensed agents can also discuss the details with you.
Why Choose Simply Business?
You don’t want to spend all day getting business insurance, but you may be overwhelmed with choices right now. Only you can decide for your cleaning business, but we’re here to give you a simple, custom policy.
Wastewater Requirements
Some states and publicly owned wastewater treatment works (POTWs) require authorization or permitting to dispose of carpet cleaning wastewater.
Entity Formation
When starting a business, the legal entity needs to be selected. A legal entity refers to how a business is organized to operate. There are four main types of entities; sole proprietorship, partnership, corporation, and Limited Liability Company (LLC).
Business Name Registration
While not necessarily a business license, it’s worth noting that to use a name for a business, many states require the registration of that name. Making matters more complicated, the process of name registration is different by state and the type of business entity.
General Business License or Permit
Depending on where the business is located, a general business license or permit may be required. A few states require a business license; however, they are more commonly found at the city level.
Federal Employer Identification Number
The Federal Employer Identification Number (also referred to as a FEIN, Employer Identification Number, EIN, or Federal Tax ID Number) is a unique nine-digit number that identifies a business with the Internal Revenue Service (IRS).
Sales Tax Permit or Business Number
In order to sell products and/or offer certain services, a state sales tax permit (also referred to as a business tax number or tax ID number) may be needed. This permit creates an account number with the state’s Department of Revenue (or similarly named state taxing agency) to collect and remit sales tax.
Certificate of Occupancy
In most communities, a carpet cleaning business will likely need to secure a Certificate of Occupancy (CO) before operating in a commercial building. This certificate is typically obtained from the city and/or the county and allows a business to occupy and operate from a building.
What happens if a carpet cleaning business hits a customer?
If your carpet cleaning business causes a customer’s physical injury, it may be determined that you are liable which would result in your business having to pay damages to the victim. If, for instance, your employee accidentally knocks something heavy over while in the process of cleaning the carpet and it happens to hit and injure your customer, this insurance policy would cover any damages your business could be held legally responsible for.
What is general liability insurance?
This section of your general liability insurance plan is designed to cover minor accidents and injuries. It can help you avoid costly legal processes because it allows your business to pay for small medical expenses without admitting fault and triggering a lawsuit or settlement payment. For example, if your customer trips on a piece of equipment, this medical payments coverage can pay the treatment costs for the customer.
Does carpet cleaning insurance cover damage?
Your carpet cleaning business requires you and your employees to spend a lot of time in the homes and offices of customers. This insurance policy provides your business with legal and financial protection if it is determined your company is responsible for damages to someone’s property. For example, if you or your employee accidently spills chemicals on an expensive rug, you will be covered for any damages. Property damage also includes anything that occurs on your business premises.
How much does a carpet cleaning company pay?
Carpet cleaning businesses pay a median premium of $170 per month or $2,040 per year for commercial auto insurance. This policy covers property damage and medical bills due to an accident involving your business vehicle, along with vehicle damage and theft.
How much does workers compensation insurance cost for cleaning?
The median cost of workers’ compensation insurance for cleaning businesses is $149 per month or $1,786 annually. The cost depends on which state your business is located in, the number of employees you have, and your profession’s risks.
How much does a cleaning business pay for umbrella insurance?
Cleaning businesses in general pay a median premium of $63 per month or $758 per year for this policy.
How much does a janitorial bond cost?
With a median cost of only $8 per month or $100 per year for cleaners, a janitorial bond is an affordable way to gain client trust. The cost of a janitorial service bond is determined by the amount of coverage you purchase.
1. Business Auto Insurance
Whether you have a work van, a truck, a standard-size vehicle, or a combination of the different options, a business auto policy can cover all of them – and will make sure you’re covered for:
2. General Liability Insurance
Simply put, general liability insurance covers you in the event your business gets sued for nearly any business-related issue.
3. Business Property Insurance
If you rent a location to store your equipment or if you have a physical storefront, cleaning companies will need coverage if something were to happen to your property. This can include tools, equipment, office furniture, cash on-premises, damage to property rented by you, and more. Typically, this will cover you in the event of:
4. Inland Marine Insurance (Supplies and Equipment Coverage)
Don’t let the name fool you! This is essential coverage for carpet cleaning businesses of all kinds since it protects all of your equipment no matter where they are – whether it’s in transport, in storage, or currently in use at a client location.
Is it possible to franchise a carpet cleaning company?
Like any other business, franchises are also available in the carpet cleaning industry. Franchising is the easiest option for aspiring business owners since you’re already leveraged by the current reputation of the company. This saves you the time and financial investments needed to build your own name and reputation. However, a hefty sum is needed to afford the franchise investment on top of other startup costs.
Is carpet cleaning cheaper than franchising?
Individual carpet cleaning businesses, on the other hand, provide cleaners with much more flexibility in terms of service provisions and prices. It’s also much cheaper than franchising but will call for more investment in reeling in customers.
