Business Insurance for Carpet Cleaning Services
Businesses and residential clients rely on you to keep their carpets and upholstery clean and their offices and homes looking at their best. A carpet cleaning business is a focused niche market in the janitorial industry, and this specialization allows you to serve a wide variety of clients from residential to commercial. From government to office buildings, from homes to cottages, you can provide service to many different clients’ locations.
The diversity of your business also means you need an insurance policy that specifically addresses the risks and liabilities of carpet cleaning at a wide variety of job sites.
Why is carpet cleaning insurance important?
When you and your staff are working at different job sites, there are risks of injuries to your staff or to others as a result. If your staff are using a company vehicle, you also run the risk of injury while in transit. Equipment can be cumbersome and difficult to operate, so there is some risk of injury with its use.
Carpet cleaning liability insurance, or commercial general liability insurance, is a must-have coverage option that provides coverage for property damage, and third-party bodily or personal injury. This flexible coverage can also cover damages that come after your team has completed their work, from unintended consequences.
Some examples of possible claim and liability situations related to commercial carpet cleaning include:
- A cleaning product used on a client’s home carpet reacts with the material of the carpet and changes its colour. The client wants the carpet replaced.
- A worker in an office slips and falls due to a recently cleaned carpet being wet. The worker is injured and unable to work for a period of time.
- One of your workers steals some jewelry from the home of a client
Carpet cleaning commercial insurance is designed specifically with the risks and liabilities of working at various job sites in mind. Your unique business needs a unique policy to protect against the mistakes and issues that can happen and that can devastate a small business.
What is included in carpet cleaning insurance?
General liability carpet cleaning insurance protects your business from claims and damages like the situations listed above. A single lawsuit can cripple your business with legal fees, not to mention judgement costs. Commercial general liability insurance provides coverage for carpet cleaning businesses to protect against you, your staff and others being injury, property damage, your business’ operations during and once completed.
Other coverage to consider
- Small Business Auto Insurance is another option to consider if your staff is driving company vehicles to and from job sites.
- Small Business Employee Theft Insurance is unfortunately necessary to guard against unscrupulous staff potentially stealing clients’ property while at work.
- Small Business Umbrella Liability Insurance which provides small businesses with an added layer of coverage in addition to standard liability coverage to cover any gaps.
How Can Carpet Cleaning Insurance Help Protect Your Business?
Purchasing any type of insurance can provide your business with protection against certain risks and litigation that you might encounter during daily operations or when providing your services or products for a fee.
Carpet cleaning businesses also face unique risks. They have to enter the personal or commercial properties of their clients, operate equipment, drive vehicles, manage an office space, and more.
Regardless of how careful and professional you and your employees are, you can never be too safe when it comes to ensuring your business and assets are protected against financial losses from damages, lawsuits, and third-party claims.
That’s where carpet cleaning insurance comes in to save the day.
Carpet cleaning insurance provides coverage against the risks that you might encounter. With insurance, you are protected from legal and medical fees or settlements that result from lawsuits, accidents, or third-party claims. Your equipment is also protected from damages, repairs, and replacements required as a result of insured perils. Carpet cleaning insurance can also provide compensation for lost profit or other expenses incurred if your carpet cleaning business is under reconstruction caused by an insured peril.
Without insurance, any expenses incurred would have to be paid out-of-pocket which could be very costly and difficult for your business to recover from.
What Insurance Coverage Do I Need for My Carpet Cleaning Business?
The insurance coverage that you want should be dependent on your services, budget, and unique risks.
Generally, some of the common types of insurance you might need to consider include:
- Commercial general liability insurance for injury or property damage that a third party might suffer as a result of your services.
- Commercial auto insurance for vehicles or fleets used to commute between client locations and carry equipment.
- Commercial property insurance for your owned or rented office space and equipment.
- Employee theft insurance if employees steal from the business or client.
You must evaluate how each type of insurance will benefit your talent agency against your business needs to determine which coverages are worth having.
What Should You Consider Before Buying Liability Insurance for Your Carpet Cleaning Business?
One of the biggest considerations before buying liability insurance is determining the exact types of insurance you want and the coverage amounts.
Although there are many types of liability insurance available, you are not obliged to buy all of them. You should make choices based on the risks, operations, and equipment that apply to your specific carpet cleaning business.
You should also consider the cost of insurance, which is determined by many factors. You should always compare insurance quotes and do research about which policies fit your needs and budget before making a purchase.
Get ALIGNED with the Right Carpet Cleaning Insurance for Your Business
We know that as a carpet cleaning business your big or small business tries to save money where it can. Our brokers are not just commercial insurance specialists, we’re advocates who work on your behalf to get you exactly the insurance coverage you need to protect your carpet cleaning business at rates you can afford. Contact an advocate today to discuss your carpet cleaning business needs or get started now by getting a free quote online.
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Our team of insurance brokers is available to help answer any and all questions you might have about all of our commercial insurance products. If you have a question about business insurance, are uncertain about what a particular insurance coverage term means, or simply want to find commercial insurance that directly aligns with your needs, don’t hesitate to call us toll-free at 1-866-287-0448.