How Much Is Business Insurance
for Carpet and Upholstery Cleaners?

Business insurance is one of the most important investments a carpet cleaning business can make. The appropriate insurance policies can protect you from the cost of a lawsuit, cover your commercial premises and carpet cleaning equipment, and help you meet the requirements to sign new contracts.

The sample insurance quotes below represent the typical costs of carpet cleaning insurance. Keep in mind these are only intended to give you a general idea of what your coverage may cost. For exact estimates tailored to your business's needs, apply online for free quotes.

HOW MUCH IS
General Liability Insurance?

How Much Is General Liability Insurance?

Need slip-and-fall insurance? General Liability Insurance covers the cost of lawsuits over bodily injuries, property damage, and reputational injuries. However, it only covers suits brought by a third party (i.e., someone who doesn't work for your business). So if your equipment malfunctions and floods a client's floor, your insurance can cover your lawyer fees and settlement or judgment expenses if the client sues your business for damages.

General Liability Insurance typically costs carpet cleaning businesses $361 to $750 in annual premiums.

Average Premiums, Deductibles and Limits on General Liability Insurance Policies for Carpet and Upholstery Cleaners
Name USD

Median policy premium:

$361 - $750

Median policy limit:

$2 million

Median policy deductible:

None

To see how the cost of General Liability Insurance for carpet and upholstery cleaners compares with other industries, visit Insureon's General Liability Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Business Owner's Policy?

How Much Is a Business Owner's Policy?

A Business Owner's Policy packages General Liability Insurance with Commercial Property coverage. If your business is eligible, you can save money on your premiums when you purchase a BOP. Your BOP's Property Insurance can cover your cleaning equipment, supplies, and other commercial property. It can reimburse you when this property is lost, damaged, or stolen.

The typical BOP costs $1,041 to $1,675 for carpet and upholstery cleaning businesses.

Average Premiums, Deductibles and Limits on BOP Insurance Policies for Carpet and Upholstery Cleaners
Name USD

Median policy premium:

$1,041 - $1,675

Median policy limit:

$2 million

Median policy deductible:

$250

HOW MUCH IS
Contractor's Equipment Insurance?

How Much Is Property Insurance / Contractor's Equipment Insurance?

The benefit of working with carpet cleaning insurance agents is that they ensure your Property Insurance has a SPICE endorsement. A standard Property Insurance policy usually won't cover equipment in transit or at a client's location. But as a carpet cleaning professional, you're always lugging your equipment from place to place. A SPICE endorsement (or Contractor's Equipment Insurance) will cover your gear even when it's away from your primary premises. SPICE coverage can also cover business interruption costs when a client's property is damaged so you can't work.

The typical Property Insurance policy for carpet and upholstery cleaners starts at $500.

Average Premiums, Deductibles and Limits on Commercial Property Insurance Policies for Carpet and Upholstery Cleaners
Name USD

Median policy premium:

$500

Median policy limit:

Varies

Median policy deductible:

Varies

HOW MUCH IS
Commercial Auto Insurance?

How Much Is Commercial Auto Insurance?

If your business owns a vehicle, you need Commercial Auto Insurance. Much like your personal auto policy, this coverage pays for accident damages, covers your legal expenses, and can pay for accidents with uninsured drivers.

Carpet cleaners usually pay $2,234 to $2,841 in annual Commercial Auto Insurance premiums.

Average Premiums, Deductibles and Limits on Commercial Auto Insurance Policies for Carpet and Upholstery Cleaners
Name USD

Median policy premium:

$2,234 - $2,841

Median policy limit:

Varies

Median policy deductible:

None (liability only)

HOW MUCH IS
Umbrella Insurance?

How Much Is Umbrella Insurance?

Umbrella Insurance can cover legal costs that exceed the limits of your General Liability, Employer's Liability, or Commercial Auto Insurance policies. If an expensive lawsuit drains one of these policies, you can make a claim on your Umbrella Insurance to cover the remaining costs. Say you face a $2.5 million lawsuit, but GL Insurance only covers $2 million. Your Umbrella policy can pay the extra $500,000.

Annual premiums for Umbrella Insurance typically start at $400 for carpet cleaning businesses.

Average Premiums, Deductibles and Limits on Umbrella Insurance Policies for Carpet and Upholstery Cleaners
Name USD

Median policy premium:

$400

Median policy limit:

$1 Million

Median policy deductible:

None

To see how the cost of Umbrella Insurance for carpet and upholstery cleaners compares with other industries, visit Insureon's Umbrella Insurance Cost Analysis New browser window icon..

HOW MUCH IS
a Surety Bond?

How Much Is a Janitorial / Surety Bond?

A Surety Bond is an inexpensive way to guarantee your contracts. If a client is dissatisfied with your work (or a job never gets completed), a Surety Bond can reimburse your clients for their losses. After the insurer covers the claim, you must pay the insurance company back. In essence, when you buy a Surety Bond, you're buying the ability to offer a bonded guarantee to your clients.

To get bonded, carpet cleaning businesses typically pay $100 annually for a Surety Bond.

Average Premiums and Limits on Surety Bonds for Carpet and Upholstery Cleaners
Name USD

Median policy premium:

$100

Median policy limit:

Varies

Median policy deductible:

None

FREE QUOTES
on Carpeting Cleaning Insurance

How to Get Free Quotes for Carpeting Cleaning Insurance

Get free insurance quotes for your carpet and upholstery cleaning business by submitting an online insurance application.

Grab-n-Go Information

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