Having carpet cleaner liability insurance protects you against claims by clients due to property damage and injuries resulting from cleaning projects. Otherwise, you'll have to pay for the replacements and medical costs from your pocket. The insurance coverage protects you from incurring costs of settling lawsuits.
Full Answer
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.
General Liability Insurance for Cleaning Services
General liability insurance helps protect your cleaning business from claims that it caused bodily injury or property damage to someone else. Liability insurance for cleaning services is an essential coverage for many small business owners.
Do I Need Liability Insurance for My Cleaning Business?
Generally, states don’t require businesses to carry general liability insurance. However, most cleaning businesses can benefit from a general liability insurance policy. Bodily injuries and property damage can happen during normal business operations.
How Much Is Insurance for a Cleaning Company?
Insurance costs for a specific cleaning company vary. That’s because each small business is different. Insurance companies look at different factors when determining costs, which can include:
Additional Insurance Coverage for Cleaning Companies
General liability insurance won’t cover every kind of claim that your cleaning business faces. You’ll likely need to get other types of insurance coverage to give yourself well-rounded protection.
Get Liability Insurance for Cleaning Businesses
Partnering with an insurance company that understands your business is important. We’re backed by more than 200 years of experience and know the unique risks that your cleaning business faces. Our specialists are here to help you and can work with you to get the coverage you need.
Save money by comparing carpet cleaning business insurance quotes
Carpet cleaning insurance can help pay legal expenses if an employee steals money or items from a client’s home, or you get into a car accident on the way to a job site.
Why do carpet cleaners need insurance?
Carpet and upholstery cleaners face multiple risks. You could get into an accident while driving to a job site, accidentally damage an antique rug, or suffer from chemical exposure. If an employee is injured or steals from a customer, it could lead to a costly legal battle. Carpet cleaning insurance covers these and other liability issues.
How much does carpet cleaning insurance cost?
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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 cleaning business insurance?
Cleaning business insurance can protect your company from lawsuits, accidents, and third-party property claims. We can assess the specific risks associated with your type of cleaning business and match your liability insurance coverage to your needs. Check out these cleaning business insurance policies for pricing, coverage options, and accessibility.
Can insurance canopy be used online?
Many clients want to work with professionals who are insured before they are hired for a job. Insurance Canopy customers can access a digital version of insurance policy information online and 24/7.
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.