What is carpet cleaners insurance?
Cover for all manner of occasions in one simple policy
Tailored and comprehensive carpet cleaners insurance will help you protect your business, providing the financial protection you could need against possible risks that could damage your business profits.
As a professional carpet cleaner you’ll work directly with the general public, having access to private homes and businesses. In the chance that something were to happen to your customer or their belongings as a direct result of your business cleaning operations, like a chemical spillage or water damage to a chair or carpet, it’s important to be able to cover the costs of repairing or replacing these items and protect your business financially.
At The Insurance Octopus, our tailored carpet cleaners insurance policies are designed to be flexible, ensuring that you’ll be able to tailor your industrial carpet cleaner’s insurance or domestic carpet cleaners insurance to exactly how you need it. You’ll get all of the essential cover you need in one simple business insurance policy.
What your carpet cleaner’s insurance policy includes
Public Liability cover
Public Liability insurance covers your business if someone gets hurt, property is damaged, or a customer sues you if a chemical cleaning treatment goes wrong in the course of your business. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurers terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.
Employers Liability cover
Employers Liability insurance is a legal requirement if you employ anyone or pay sub contractors to complete works on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover and will protect you as the employer against claims from your staff should they be hurt when working for you.
Personal Accident cover for carpet cleaners
Personal Accident cover will pay your business a weekly sum if you or insured employees are unable to work after an accident. This cover can be used as an employee benefit.
Machinery cover is an optional cover that can be added to a liability policy at any time and covers all your equipment against loss, damage or theft including overnight theft from your vehicle, subject to policy terms and conditions.
Stock Insurance protection for every contract cleaning company is different and each will have various levels of stock. By making sure your business insurance is the correct level there will be no need for you to be paying for more than you need. However, it’s important to get a quote based on your exact requirements, as quoting for less than you need could be devastating for your financial status if something goes wrong.
Why you need Carpet Cleaners Insurance
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a carpet cleaner could need while working including liabilities and full tool and equipment cover.
You can also add additional covers and we will endeavour to help you tailor your business insurance policy to the needs of your business.
Business insurance brokers
One of our tradesman insurance experts will discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring that you get a bespoke policy where you only pay for the cover you need.
Arrange same day cover
Your trade specific cover can easily be arranged and we can look to provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions). We can also offer you a range of flexible payment options, including Direct Debit to help spread the cost of cover.
Why choose The Insurance Octopus for Carpet Cleaners Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Carpet Cleaners Insurance FAQ's
Get the answers you're looking for
How much does carpet cleaners' insurance cost?
This entirely depends on the individual circumstances of your business. You will most likely take out public liability insurance and professional indemnity insurance, plus employer’s liability insurance and any other add-ons you might want, like hired-in/owned plant cover. You can obtain a no-obligation quote by clicking ‘Get a Quote’ above, and find out how much your insurance would cost.
Am I insured if I damage something being cleaned?
If you have the contract works add-on included in your policy, then you are fully covered for any damage done to a floor you clean. It doesn’t fall into the public liability insurance category, so if you want to be insured for this then be sure to take up the contract works add-on.
Do I need treatment risk cover?
As a carpet cleaner, you apply chemicals and techniques that have the potential to cause harm to a third party if they are exposed to any kind of hazardous substance. Your advice to clients could also potentially lead to harm in rare circumstances. If you take out treatment risk cover as a carpet cleaner, you will be covered if any compensation claims are brought against you due to injury or illness caused by chemicals you use on the job.
How carpet cleaners insurance works
Examples of Carpet Cleaners Insurance in action
A £2,500 Carpet Mishap
A carpet cleaning contractor was going about her work shampooing the carpet in a library with her new machine. As she approached the edge of the room, she accidentally knocked the input pipe for a radiator. The pipe was damaged, and the radiator water began leaking out. Before she knew it, the water had saturated the carpet and some of the books on the lower shelves. The cost of the damage amounted to £2,500, which she was able to settle through her public liability insurance.