How Much Does Carpet Cleaning Insurance Cost?

The cost of carpet cleaning insurance varies, but The Hartford’s customers in this industry pay $2,335 a year for a BOP, $997 a year for standalone general liability insurance and $1,519 a year for workers’ compensation insurance.

Why Is Carpet Cleaning Insurance Important?

Carpet cleaning businesses face unique risks, from slip-and-fall accidents to chemical spills that could damage a customer’s property. Without proper insurance, you could be responsible for the costs of these claims. Carpet cleaning insurance provides a safety net, allowing you to focus on your services without worrying about the financial impact of claims.

Carpet Cleaning Insurance for Your Business

Why Do You Need Carpet Cleaning Insurance?

Whether you're working in your home office or at a customer's house, you could face professional challenges during the day-to-day course of your job. Carpet insurance for cleaning businesses provides the essential protection you need, so you can clean with confidence.

Carpet cleaning insurance combines different types of business insurance coverages to help protect you from various risks. Without it, you may have to pay out of pocket for expensive claims.

Who May Need Carpet Cleaning Insurance?

If you're cleaning carpets in your shop or at your client's home or business, you need carpet cleaning insurance. The Hartford’s insurance solutions can help many types of carpet cleaners, including:

Independent carpet cleaners
Upholstery cleaning professionals
Commercial carpet cleaning services
Residential carpet cleaning companies
Mobile carpet cleaning businesses
Rug cleaning specialists

What Type of Insurance Do I Need for a Carpet Cleaning Business?

Many carpet cleaning professionals start with a Business Owner's Policy (BOP) for the peace of mind it can provide. It helps protect you and your business from claims of bodily injury or property damage.

A BOP combines three essential types of coverage into a single policy:

General liability insurance to help protect your carpet cleaning business from claims that it caused a bodily injury or damaged someone else’s property.
Business income insurance to help replace lost income if you can’t operate your cleaning business due to property damage caused by wind, theft or fire.
Commercial property insurance to help protect your owned or rented building, as well as vacuums, soaps, detergents, brushes and other tools you use to operate.

We know not every carpet cleaning business faces the same risks. So, we’ve made it easy for you to get other types of insurance that fit your unique needs.

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Clean with confidence knowing you have insurance coverage designed for your industry.

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How Much Does Carpet Insurance Cost?

The cost of carpet cleaning insurance varies, but here are the average costs The Hartford’s customers in this industry pay for common types of coverage:**

BOP: $1,687 a year, or about $141 a month
Standalone general liability insurance: $810 a year, or about $68 a month
Workers’ compensation insurance: $1,032 a year, or about $86 a month

Remember, insurance companies use different factors to determine rates, so your insurance cost may be different than the average. The best way to find out how much carpet cleaning insurance will cost is to get a quote.

Get Your Certificate of Insurance When You Need It

Get your proof of insurance when you need it. We’ve made it easy for you to request your certificate online.

Covering Your Operations

With a significant portion of your operations happening in your clients’ homes, it’s vital to protect your carpet cleaning business from possible liabilities. The right insurance coverage can help you be better prepared.

Each year, 1 in 10 small businesses suffers losses from a natural disaster.²

General Liability Insurance

“One of my workers moved a coffee table to clean the carpet underneath, and he broke the antique vase that was sitting on it.”

General liability insurance helps cover claims that your business damaged someone else’s property.

Business Income Insurance

“A severe thunderstorm shattered our shop’s windows. We had to close for a week while the glass was being cleaned and fixed.”

Business income insurance can help you pay for ongoing operating costs if you can’t operate due to covered property damage. You can use this coverage to help pay for rent, payroll and utilities

Taking Care of Your Team

Your employees are essential to the success of your cleaning business. With the right insurance coverage, you can help protect them from everyday risks.

Overexertion is one of the top causes of work-related injuries.³

Commercial Auto Insurance

“One of our cleaners was in a fender bender on the way to a job. The van was pretty banged up, and the other driver went to the hospital.”

Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Workers’ Compensation Insurance

“One of my employees badly tweaked his back lifting some heavy equipment at a job. He was out of commission for weeks.”

Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.

Protecting Your Property

We know cleaning carpets and rugs is hard work. You rely on specialized tools and equipment, which is why so it’s important to get the right type of insurance for carpet cleaning businesses.

There are approximately 16,500 office and store fires in the U.S. each year, causing $932 million in direct property damage.⁴

Commercial Property Insurance

“I never expected to deal with a fire in my office. Years of hard work, equipment and customer records were gone overnight.“

Commercial property insurance helps protect your business' building, inventory, tools and equipment. It helps pay for your costs to repair or replace damaged property.

Product Recall Insurance

“We sell the soaps and detergents we use to get rid of tough stains in carpets. My distributor told me that the batch in a recent delivery could damage carpets. I had to find out who bought the product and do a recall.”

You can add product recall insurance to your insurance plan to reimburse the costs of recalling a faulty product.

Dependable Insurance for Your Carpet Cleaning Business

With more than 200 years of insurance experience, The Hartford prides itself on understanding the unique risks faced by businesses like yours. It’s why we designed carpet cleaning insurance to meet the needs of your industry, so you can keep things running smoothly and focus on getting the job done.

Find out more about other professions we insure.

Frequently Asked Questions About Carpet Cleaning Insurance

What Does Carpet Cleaning Insurance Cover?

Carpet cleaning insurance combines different coverages to help protect your company from claims related to property damage or bodily injury. These can be common claims that come up during normal operations. Additionally, you can also get other types of insurance to increase your protection. For example, commercial auto insurance can help protect your service vans.

Why Is Carpet Insurance Important?

Carpet cleaning businesses face unique risks, from slip-and-fall accidents at job sites to chemical spills that could damage a customer’s property. Without proper insurance, you would be responsible for the costs of these claims. If your business’ property gets damaged or stolen, business insurance can help pay to fix or replace it. Carpet cleaning insurance provides a safety net, allowing you to focus on your services without worrying about the financial impact of claims.

You may also need to carry certain types of insurance if it’s mandated by your state. For example, most states require employers to carry workers’ compensation insurance.

How Do I Get Carpet Cleaning Insurance?

The best way to get carpet cleaning insurance from The Hartford is to get a quote online.

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Get the protection you need to keep your carpet cleaning business running smoothly.

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More Answers to Frequently Asked Business Insurance Questions

What Does Business Insurance Cover?

What Are Certificates of Insurance (COI)?

Business Insurance Definition & FAQs

Top 10 Reasons You Need Business Insurance

Last Updated: April 8, 2025

² Fed Small Business, “Natural Disasters”

³ National Safety Council, “Top Work-Related Injury Causes”

⁴ FEMA, "Preventing Workplace Fires"

** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.

This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.

All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.

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Carpet Cleaning Insurance Fit for Your Business