Carpet Cleaning Insurance
Specialist business insurance for carpet cleaners. Get an instant quote online.
- Public Liability up to £5 million
- Damage to the item or surface being cleaned
- Business equipment cover
- Join over 150,000 customers**
- Flexible Payment Plans – 0% APR
From £4.43* a month
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What does window cleaning insurance cover?
Our insurance for carpet cleaners can include the essential liability cover you need to protect you against claims you might receive and avoid financial losses. Public liability for carpet cleaners is included and you can add extras such as employers’ liability, depending on the requirements and size of your business.
Our policies are designed to be flexible for carpet cleaners, whether you operate from a fixed location, are a mobile cleaner or are in charge of cleaning staff our policy can allow you to select the cover level most suitable for you.
Make sure you have the correct insurance for your event and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Equipment
Property Damage
Employers' Liability
Loss of Keys
Public Liability
- Up to £5 million available.
- Protection from claims filed by a third-party (i.e. member of the public) who sustains injuries during the event or has their property damaged.
Equipment Cover
- Up to £250 covered as standard.
- Increase up to £12,000 worth of cover.
- Cover for your equipment against theft, loss and accidental damage. Optional increase to the cover to include theft from unattended vehicles.
Property Damage from Cleaning
- Up to £2,500 covered as standard.
- Increase up to £5000 worth of cover.
- For damage to the item(s) or surfaces you are cleaning at the time you are cleaning it. It also covers damage caused by chemicals you use. Excluding cleaning of machinery and cleaning involving sand blasting and/or pressure cleaning of any nature.
Employers’ Liability
- Up to £10 million available.
- Protection from claims against employee incidents, if that employee suffers a work-related injury and brings a claim against you.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Dishonesty Cover
- Up to £10,000 for the period of cover, restricted to a £1,000 per employee.
- Cover if your employees have acted dishonestly, fraudulently or committed embezzlement.
Loss of Keys
- Up to £5000 for new keys, replacement locks, the cost of re-setting intruder alarms and associated call-out costs.
- Wear & Tear of equipment.
- Theft of tools from unattended vehicles unless the optional cover to include has been added.
- Businesses over 5 employees including yourself.
- The cleaning of machinery, with the exception of domestic ovens.
- Sand blasting and/or pressure cleaning of any nature.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need carpet cleaners insurance?
As a carpet cleaner, your clients depend on you to deliver impeccable cleaning services wherever you are. They count on your attention to detail and reliability to ensure spaces are pristine. However organised and efficient you are things can go wrong and it’s worth being prepared. Carpet cleaners insurance offers protection for cleaners against potential claims that may arise from various risks and incidents during your work.
With our carpet cleaning insurance, you can be confident that you are taking steps to safeguarding yourself from significant financial losses. Consider some common scenarios that could lead to claims:
Protection from claims if a member of the public gets injured.
This could be a client tripping over your carpet cleaning equipment, whilst your working, or it could be damage caused to a personal affect like staining a household surface. Either way, in the event of incidents like these, you are vulnerable to a substantial compensation claim, as well as other associated costs.
To make sure you’re protected against these claims you’ll need the correct value of public liability insurance to ensure you’re covered.
An employee or temporary worker suffers an accident during work.
Employees may be at risk of accidents or injuries during their cleaning work. If employees or temporary workers clean for you, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
Protect carpet cleaning equipment from damage claims.
Depending on your carpet cleaning services, you may have invested in expensive tools and equipment, which could become damaged or lost. For instance, whilst transporting your equipment from job to job, it could be dropped and subsequently damaged.
With the right carpet cleaners equipment cover you can make a claim to replace or repair equipment you’ve hired, leased, loaned, or own yourself.
Protection for specific carpet cleaning damage.
If a carpet cleaning chemical, you use causes damage to a carpet or floor surface for example you could be responsible to cover the cost of the damage. This accident could cost you hundreds of pounds to remedy.
Having suitable carpet cleaning damage cover can safeguard you from these costly incidents, providing protection from these related claims.
Our experts explain why...
“Carpet cleaning presents a distinct set of risks, many of which can carry serious financial consequences if not properly insured against.
Whether its damage caused by cleaning agents to high-value carpets, the shrinking of an antique rug due to incorrect treatment, or a client sustaining an injury after tripping over equipment, these are real exposures faced by professionals in this trade. Add to that the risk of water damage during the extraction process, and it’s clear that a one-size-fits-all policy simply won’t do.
That’s why our Carpet Cleaning Insurance has been specifically developed with your profession in mind. It offers targeted protection against these industry-specific risks, enabling you to carry out your work with confidence, knowing that your business is backed by cover that truly understands the challenges you face.”
Chris Trotman, Protectivity Underwriting Manager
How much does carpet cleaning insurance cost?
Each carpet cleaning business will offer a unique service so, the cost of carpet cleaners insurance can vary depending on what you offer and the level of cover you need. For example, if you use specialist equipment to create your items you may need to increase the value of cover.
Policies start at just £4.43* a month.
Prices from
£4.97* a month
Explainer quote
Policy cost
£4.43* a month
Policy type
Carpet Cleaners Insurance
Duration
Annual
Turnover
£49,000
Public Liability
£1,000,000
Equipment
£250 (£75 excess)
Property Damage from Cleaning
£2500
This example is based on a real quote from our website on 12/02/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your carpet cleaning insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does your policy cover the transportation of carpet cleaning equipment between jobs?
You are covered to claim for damage and theft of equipment, including during transportation.
What happens if a client slips on a wet carpet after my cleaning service?
This could be covered under public liability, if the client was injured and brought a claim against you.
Are there restrictions on the types of premises where I can provide carpet cleaning services?
Yes, there are some restrictions. You’re covered for damage to carpets during cleaning under the Property Damage from Cleaning section, up to the policy limit.
However, the policy does not cover:
- Businesses with more than 5 employees (including yourself).
- Cleaning involving machinery (except domestic ovens).
- Sand blasting or pressure cleaning.
As long as you’re not using excluded methods or operating a large business, you’re generally covered for carpet cleaning in residential, commercial, or retail premises.
Does my insurance cover me for post-construction or renovation carpet cleaning?
Yes – you would be covered for the benefits selected on your policy.
Am I covered if carpet moths or other pests are found while cleaning?
No, this would not be the responsibility of you as a cleaner.
Am I insured for working in both residential and commercial properties?
Yes – you would be covered for the benefits selected on your policy.
What happens if I accidentally damage fixtures and fittings while cleaning carpets?
This would be covered under property damage from cleaning, provided you have taken reasonable precautions.
Am I insured to clean different types of flooring like rugs and upholstery?
Yes – you would be covered for the benefits selected on your policy.
Does your insurance cover stain protection treatments that don’t meet client expectations?
If stain protection treatments result in damage, this can be covered under property damage.
Am I insured for any mould or mildew issues discovered during carpet cleaning?
No, this would not be the responsibility of you as a cleaner.
What happens if cleaning chemicals damage or discolour a client’s carpet?
This would be covered under property damage from cleaning, provided you have taken reasonable precautions.
Does this insurance cover water damage to property caused during carpet cleaning?
Yes – this covered under property damage –for the value you select, up to £5000.
Are specialist carpet cleaning machines and equipment covered under this policy?
Yes – this is covered under equipment, £250 is included as standard with the option to upgrade to £12,000.
Does my carpet cleaning insurance cover damage to high-value or antique carpets?
Yes – this is covered under property damage – for the value you select, up to £5000.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data