What is carpet cleaners insurance?
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, we find carpet cleaners insurance policies that are designed to be flexible, ensuring that you’ll be able to tailor your industrial carpet cleaners 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. A standard Employers Liability insurance policy through The Insurance Octopus is £10m cover and will protect you as the employer against claims from your staff should they be hurt when working for you.
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.
Plant and Tools cover
Plant and Tools cover will protect your tools of your trade whilst working on site, like a construction or building site.
If you are self employed or you need additional insurance The Insurance Octopus will look to find a business insurance package for your business needs.
In addition to our standard tradesman and contractors insurance package, if you are a specialist in a particular field of bricklaying you may need to amend your policy to be specific to your business. You can specify working in specific conditions such as working up to 50 meters in height, having over 75% of your work using heat or working deeper than the standard 2-3 meters to ensure you’re covered.
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
A business insurance policy through 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 you can tailor your business insurance policy to the needs of your business.
Carpet Cleaners Insurance FAQs
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.Was this article helpful?YesNo
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.Was this article helpful?YesNo
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.Was this article helpful?YesNo
Get the protection your carpet cleaning business
deserves, with hassle free business insurance found by The Insurance Octopus
Business insurance brokers
One of our tradesman insurance specialists 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 simple and transparent, and our sourced cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we source cover that offers up to £5 million worth of public liability cover for Tradesmen – with more available upon request.
Simple 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 team knows your industry
We’ll connect you with an agent who understands 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.
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.
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.
Other types of Tradesmen Insurance we can source
Get Business Insurance off your to do list
Help protect and grow your business with tailor made business insurance through The Insurance Octopus
Insurance Know How Making business insurance easier to understand
The ultimate small business checklist to help protect against cyber threats
Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...
The top 10 Cyber Insurance claim types
Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...
How much does cyber insurance cost?
Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...
Get to grips with Under-insurance & The Insurance Act
Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...
Business Insurance Blog For all the things business & insurance
Does my business need Employers Liability Insurance?
First off, what is Employers Liability insurance? Employers Liability Insur...
Pets in Lets: What are the Paw-sitives, and How Can Landlord Insurance Help?
It was good news for our four-legged friends and their owners this month as...
5 Ways to Tackle Underinsurance in Your Property Insurance Policy
The risk of underinsurance for many property owners is growing, even more s...