Carpet cleaning involves working in client homes or offices with expensive flooring, furniture, and equipment on site. The most common coverages include:
- General Liability – Protects against claims if you damage a client’s carpet, furniture, or other property.
- Workers’ Compensation – Covers employee injuries like strains from moving equipment or slips on wet floors.
- Commercial Property Insurance – Protects your cleaning machines, tools, and supplies from fire, theft, or damage.
- Commercial Auto Insurance – Covers vehicles used to transport staff and equipment between jobs.
- Equipment Breakdown or Inland Marine Coverage – Protects high-value machines during transit or from mechanical failure.
