Tailored Carpet Cleaning Insurance to Protect Your Business from Dirt to Disaster

Don't get stiffed by stains! Get affordable insurance for cleaning mishaps, damage, and lost gear.

Starting At

$39/ month

or save 12% when you choose annual

★★★★★ 4.8/5

4.8/5 on

Why Do Carpet Cleaning Businesses Need Insurance?

Carpet cleaning businesses encounter various risks inherent to their operations, ranging from accidental property damage to unforeseen bodily injuries. Without adequate insurance coverage, these risks can lead to significant financial losses and legal liabilities for the business. Learn more about common claims for cleaning businesses here.

If you shatter a client’s priceless vase

Oops! No worries – we’ll replace or repair the item in no time.

If your cleaning efforts lead to carpet damage

Whoopsie-daisy! We’ll cover the costs for any accidental spills or damages.

If a client or their pet gets injured during your cleaning session

Don’t worry, we’ll handle medical bills and legal fees.

If your cleaning gear gets damaged while on the job

No need to stress! We’ll cover the costs for any water damage or issues.

How Much Does Carpet Cleaning Insurance Cost?

Carpet cleaning insurance starts at just $39 per month. However, the final cost can vary depending on several factors, so it’s important to understand what influences your insurance pricing.

With our simple online application, you can get a customized quote for your exact business needs in less than 5 minutes!

Save when you choose annual!

Pay once and save! Pay upfront for the year and enjoy up to a 12% discount, all while having the peace of mind that your carpet cleaning insurance is fully covered.

“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

What Does Insurance for Carpet Cleaners Cover?

We recommend carpet cleaners to include several different coverages in their insurance policy. Our recommended coverages include:

Included

General Liability Coverage

Bought by 100% of carpet cleaning business owners like you, general liability coverage protects carpet cleaners from claims related to bodily injury, property damage, or personal injury that may occur during their work. For instance, if a client trips over equipment while the carpet cleaner is working on-site, general liability insurance can help cover medical expenses and legal costs associated with the incident.

Add-Ons

Cyber Liability Coverage

If your business faces a cyberattack or data breach, this insurance covers the costs of getting back on your feet, like legal bills, notification expenses, and credit monitoring for affected individuals.

Tools and Equipment Coverage

Tools and equipment coverage, also known as inland marine, provides protection for the valuable equipment used by cleaners. This insurance steps in when your trusty tools get damaged or stolen while on the job. With this insurance, you can keep your cleaning game strong without worrying about unexpected financial messes.

Bonds

Bonds are ‘trust boosters’ for your cleaning business. They reassure your clients that you’ll stick to your promises and clean with integrity. If anything goes amiss, like a mishap or a missing item, the bond steps in to make things right

Additional Insureds

Adding additional insureds is all about giving extra protection to your clients or landlords, so they feel safe and secure knowing they’re covered under your policy. This not only builds trust but also shows that you’ve got everyone’s back, making your business relationships rock-solid.

Workers Compensation Coverage (Coming Soon!)

Your cleaning crew is the heart and soul of your business. If they ever get hurt or sick while working, this insurance steps in to cover their medical bills, lost wages, and even helps with their recovery, ensuring they can scrub, mop, and dust with confidence.

Get notified when workers compensation is available in your state!

What Exclusions Should I Be Aware Of?

When considering insurance for a carpet cleaning business, it’s important to be aware of the following exclusions.

What’s Not Covered?

Water removal/extraction, mold remediation, fire, smoke, flood or other disaster services
Operations involving construction debris removal
Construction, maintenance, repair, renovation, or property preservation service
Cleaning of the exterior of buildings and/or power washing other than from the ground level
Chimney cleaning

How Do I Know What Insurance Coverage I Need?

Here are some tips to help you assess your coverage needs based on your business size, equipment, and services offered.

New and Growing Businesses

For new and growing cleaning companies with more frequent client meet-and-greets and moderate risk. Let’s keep those mops spinning! Example: Your small but mighty crew tackling homes and light commercial spots like pros.

General Liability: $500,000 per incident / $1,000,000 per year.
Tools and Equipment Insurance: $2,000 per incident / $6,000 per policy year (+$4.58/month).

Established Business

Best for established cleaning champions with a big client base and higher stakes. Time to bring out the big guns!
General Liability: $1,000,000 per incident / $2,000,000 per year.
Tools and Equipment Insurance: $5,000 per incident / $10,000 per policy year (+$5.00/month).
Example: A bustling operation with a crew of experts, handling carpets and complex jobs like a boss.
Note: Our coverage is available for businesses with payroll under $200K and annual revenue under $1.5M.

To Bond or Not to Bond, That is the Question!

A bond provides an additional layer of protection for your clients, ensuring that they are compensated in case of theft or damage caused by your employees. You have the option to:

Include: Adding a bond can enhance your business’s credibility and provide peace of mind to your clients.
Opt out: If you have a strong reputation and trust with your clients, you might decide not to include a bond.

Coverage Limits for Carpet Cleaning Insurance

Maximum Cleaning Liability Insurance Limits

General Aggregate

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

Products & Completed Operations Aggregate

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

Each Occurrence Limit

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

Personal & Advertising Injury Limit

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

Damage to Rented Premises Limit

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

Medical Expense Limit

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

$500

$2,000/$6,000

$55

$5,000/$10,000

$60

Have questions?

Our licensed agents are available to answer any questions you may have (se habla español)

Why Carpet Cleaners Choose Insurance Canopy

When it comes to safeguarding your carpet cleaning business, there’s no room for compromise. That’s why carpet cleaners across the country choose Insurance Canopy for peace of mind and reliable protection.

Insurance You Can Rely On

Instant Proof of Insurance & a hassle-free claims process = a zen policyholder 🙏

Simplified Coverage

Comprehensive, personalized insurance for your business – only pay for what you need

Expert Support

Chat with a responsive, multilingual team of experts who provide one-on-one support. For real!

Hear What Our Real Carpet Cleaning Clients Have To Say

Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

Paul McNeilly
November 12, 2024

Best customer service I have ever had in regards to insurance.

Edward Findley
November 5, 2024

This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

Vickie Sundgren
November 3, 2024
Great to work with. Always available for assistance.

Courtney Araneo
November 3, 2024

Super easy and convenient. Just renewed, thanks.

Wendy Berg
November 3, 2024

Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

Fernando Ferreira
October 12, 2024
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

Jacob Smith
October 7, 2024

Rey was amazing. So easy! So fast!

Herman Koch
September 30, 2024

Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

Mark Paquin
September 14, 2024
She is positive and friendly !

Alan Dynin
September 14, 2024

Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

Alana Wyld
September 14, 2024

Affordable plan and very easy to access when I need it

Angela Lobianco
July 13, 2024
Always easy to use! Thank you!

CahillandDelene
July 12, 2024

Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

Rich Bonifazio
July 12, 2024

I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

Angela Fischetti
July 12, 2024
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

Jamilyn Boze
July 5, 2024

Always done very well for us. Highly recommended.

Kenny Casanova
July 5, 2024

Nothing but positive things to say. Great company, have used them for years.

Brandon Kennedy
July 5, 2024
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

susanf
July 5, 2024

quick and easy to sign up and did not break the bank!!

Michael “Michael”
April 8, 2024

Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

Robert Caudle
April 7, 2024
Easy to apply online, it take 5 mins and get your provf of Insurance.

Francesca Wine
April 6, 2024

I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

Lucia Boroczk
April 4, 2024

Just the insurance I needed. I wish the website would allow me to share pages!

Ellen Brodsky
April 2, 2024
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

Hillary Blackton
April 2, 2024

It was fast and easy.

Vincent Cabello
March 31, 2024

Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

Patrick McElhaney
March 27, 2024
Process was easy. Relevant information accessible. Platform is very user friendly.

Carolina Santos
March 26, 2024

I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

Aaron Copenhaguen
March 26, 2024

The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

Lionel Harrison
March 26, 2024

Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

Paul McNeilly
November 12, 2024
Best customer service I have ever had in regards to insurance.

Edward Findley
November 5, 2024
This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

Vickie Sundgren
November 3, 2024
Great to work with. Always available for assistance.

Courtney Araneo
November 3, 2024
Super easy and convenient. Just renewed, thanks.

Wendy Berg
November 3, 2024
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

Fernando Ferreira
October 12, 2024
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

Jacob Smith
October 7, 2024
Rey was amazing. So easy! So fast!

Herman Koch
September 30, 2024
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

Mark Paquin
September 14, 2024
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

Alana Wyld
September 14, 2024

Got Questions? We’re on it.

Is my carpet cleaning insurance policy effective immediately?

Yes, it sure is! You get to choose when your policy starts while you’re buying it. Coverage kicks in right after you finish your purchase, and you even get a nifty badge to show you’re insured!

Can I cancel my carpet cleaning policy at any time?

You may cancel your policy at any time, but there is no money-back guarantee on months that you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.
The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.

How do I file a carpet cleaning business claim?

Filing a claim with Insurance Canopy is easy. Here’s what to do:

Make a Report: If something happens, like theft or property damage, report it to the appropriate authorities. Gather important details such as dates, locations, and contact information for everyone involved.
Gather Paperwork: Get all the necessary documents ready, like your insurance policy details, receipts for damaged or stolen items, and any incident reports.
Submit a Claim Online: Log in to your user account, go to the “Manage Policies” section, and click on “File A Claim.” Fill in the required information and submit your claim. Most claims are processed within 24–48 hours.

If you have any questions or need help, our team is here for you. Just reach out!

How do I renew my carpet cleaning insurance policy?

Renewing your cleaning business insurance with Insurance Canopy is a breeze thanks to our EZ-Renew feature, which automatically renews your policy each year. If you prefer not to use EZ-Renew, you’ll need to fill out a new application to continue your coverage. As your business grows, our support team is here to help. Need to tweak your coverage limits, shuffle around some coverages, or adapt to new client demands? Just contact our support team, and we’ll ensure your policy grows right alongside your business.

Our team is always ready to help answer your questions. Smile included.

Want to talk to a real person? We do that too.

Monday to Friday, 9 am – 5 pm MDT
(se habla español)