What is carpet cleaning insurance?

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.