Skip to main content
  • Claims Center
  • Contact Us
  • Español
  • Brokers & Agents
Hiscox Insurance
Menu Toggle
  • Home
  • Small Business Insurance Small Business Insurance Toggle Menu
    Protect your business, plan for the unexpected, and help your business grow.
    • Top Coverages

      • General Liability Insurance

        The basic protection for claims against your business.

      • Errors and Omissions

        Protection against claims of negligence

      • Professional Liability

        Protection for specific risks in your field.

      • Business Owners Policy

        General Liability plus coverage for property.

      • Short-Term Liability Insurance

        Purchase coverage for a specific period of time.

      • Cyber Security Insurance

        Protection from cyber-related security risks.

      • Workers Compensation

        Protection from work-related illness or injury.

      • More Coverages

        Umbrella, Auto, Directors and Officers, and more

    • Coverage for 180+ Professions

      • Architects & Engineering
      • Beauty
      • Contractors
      • Consulting/Freelancing
      • IT/Technology
      • Landscapers
      • Marketing
      • View All Industries
    • Coverage for 49 States

      • View All States

    Retrieve Your Saved Quote

    Small Business Insurance Main Page

  • Why Hiscox Why Hiscox Toggle Menu
    With a single focus on Small Business Insurance, we provide fast, customized coverage just for you.
      • About Us
      • Customer Stories
      • Ratings & Reviews
      • Our Brand
      • Newsroom

    About Hiscox Main Page

  • Resources Resources Toggle Menu
    Insights and information to empower you and your business.
    • Blog
      • Start Your Business
      • Grow Your Business
      • Protect Your Business
      • Celebrate Courage
      • Business Insurance 101
      • Research & Insights
      • Partner Services
      • Insurance Glossary
      • Profit Calculator
      • Business Templates

    Resources Main Page

  • Policy Management Policy Management Toggle Menu
    We make it easy for policy-holders to make changes, access documents, and report claims.
    • Manage Your Policy Online

      • Hiscox Policy Management

        • Change Business Address
        • Get an ACORD Certificate
        • Get a Certificate of Insurance
        • Issue an ACORD for an Additional Insured
        • Request Policy Documents
        • And more

    • Claims

      • Claims Center
      • Report a Claim
      • Claims FAQs
      • Claims Customer Reviews
      • Cyber Vendor Services
      • Refer a friend

    If you purchased coverage from a broker and would like to update or change your policy, please contact your broker.

    Policy Management Main Page

  • Claims Center
  • Contact Us
  • Español
  • Brokers & Agents
  • About
  • Get a Quote Get a Quote
  • About
  • Get a Quote Get a Quote
  • Blog Home
    Start Your Business
    Grow Your Business
    Protect Your Business
    Celebrate Courage
    Search

    Small Business Insider

    Sign up to get the latest small business tips delivered right to your inbox.
    Close Close
    Protect Your Business
    Professional carpet cleaner cleaning a living room carpet.

    What is carpet cleaning insurance?

    General Liability | Industry Spotlight
    By: Hiscox Blog

    Share Image

    Embed Image

    Copy

    Share Article:

    If you’re the owner of a professional cleaning business that specializes in carpet cleaning, you should consider protecting it with a carpet cleaning insurance policy. 
    As a professional carpet cleaner, your clients rely on you to provide excellent service and leave their items looking better than new. However, the task of carpet cleaning can pose some major risks to your business when it comes to liabilities and lawsuits. You can easily protect against these risks with an insurance policy that fits your unique needs.

    Here is how carpet cleaning insurance can help protect everything you’ve worked hard to build so that you can spend more time focusing on growing your business.

    Common risks all carpet cleaning businesses face

    Owning and operating a carpet cleaning business comes with certain risks that are quite common but can be mitigated with the right insurance coverage. Here are a few examples of situations you could face.

    1. Bodily Injury: This type of risk refers to a situation in which a third party, such as a client, sustains an injury and files a claim against your business. In the case of carpet cleaners, a client could accidentally trip over the supplies you bring to their residence in order to clean a rug or carpet. The client could sue you and put you on the hook for the associated medical costs. 
    2. Property damage: Property damage risks are common. Take the following instance for example: You accidentally spill a cleaning solution on an expensive, antique rug worth a lot of money. The rug is ruined and your client sues you. Without the proper insurance coverage, you could be looking at legal fees and the cost to replace the rug.
    3. Personal injury: Personal injury refers to libel and slander, which you could be sued for. For instance, you or one of your employees is speaking about a client in a false and unflattering way at a party. A friend of the your client overhears and the information gets back to them. Your client could sue your business even if it was an employee who made the comments. 

    How can carpet cleaning insurance help protect your business?

    The best way professional carpet cleaning businesses can stay protected from the above situations is with a general liability insurance policy. 
    A general liability policy can help you stay in business by covering the costs associated with a claim of bodily injury, property damage, and personal injury. If you’re sued, your business insurance policy will help cover the cost of a lawsuit, medical expenses, or property damage. 

    Learn more about insurance for carpet cleaning businesses. 


    Protect Your Business

    Protect the business you’ve worked so hard to build. Get a fast, free quote and your business could be covered today.

    Get a Quote
    Get a Quote
    Subscribe to our newsletter

    Related Articles

    3 Min Read
    Woman at work using hand sanitizer. OSHA COVID-19b guidelines.

    New OSHA guidelines on how businesses should handle COVID-19 in the workplace

    Claims | Management

    New OSHA guidelines on COVID-19 in the workplace are here. Here's everything you need to know if you're a business owner and have employees.  Read More

    4 Min Read
    how much does business insurance cost? Insurance icon.

    How much does small business insurance cost?

    Insurance 101 | Professional Liability

    Wondering how much business insurance costs? Here are some of the factors that go in to how much business insurance costs and some examples of what a hypothetical small business might pay for insurance.  Read More

    3 Min Read
    Insurance tab. File, folder. Deductibles, limits, and endorsements.

    What are deductibles, limits and endorsements?

    Insurance 101

    There are some insurance terms you should know to help you better understand your policy. We’ll define 3 of the most important: Deductibles, limits, and endorsements.  Read More


    We’re here to help.
    We provide tailored insurance for the specific risks you face, so you can take the right risks to grow your business.
    Get a Quote
    Get a Quote
    Blog, Footer2021
    • What We Cover
      • Business Insurance
      • General Liability Insurance
      • Professional Liability Insurance
      • Errors and Omissions
      • Cyber Security Insurance
      • Workers Compensation
      • Other Coverage
    • Who We Cover
      • Small Business Owners
      • LLC
      • Side Hustle
      • Contractors
      • Home Businesses
      • 180+ Professions
    • For Our Customers
      • Refer a Friend Program
      • Covid-19 Response
      • Claims Center
    • For Business Owners
      • Save with our Partners
      • Hiscox Podcast for Business
    • About Hiscox
      • About Us
      • Careers
      • Contact Us
      • Hiscox Corporate
      • Investors
      • Foundation
      • Newsroom
      • We Stand Together
      • Affiliate Partner Program
    Blog, Footer, 2nd Row (new)
    • Accessibility
    • Site Map
    • Privacy Policy
    • Terms of Use
    • Legal Notices
    • Español

    Feefo Reviews: Hiscox rated 4.8/5 with 2,032 reviews between January 31, 2020 - January 21, 2021

    © 2021 Hiscox Inc. All rights reserved. Underwritten by Hiscox Insurance Company Inc., 104 South Michigan Avenue, Suite 600, Chicago, IL 60603. As of December 31, 2019, HICI had admitted assets of $778,266,779 and policyholders surplus of $215,333,986. Total liabilities were $562,932,793 (inclusive of $236,274,591 of loss reserves) and paid up capital stock was $4,242,000.

    icon-facebook
    icon-youtube
    icon-twitter
    icon-linkedin