Insuring your carpet cleaning business
Taking pride in spotless carpets, rugs and upholstery goes with the job. But while you’re concentrating on that, what if you accidentally damage something else? It may not be your fault at all, but if someone makes a claim that you or an employee is responsible, or that they've become ill or injured as a result of your services, you’ll need to defend yourself. Business insurance for carpet cleaners from Hiscox ensures you’re covered with a tailored policy for all eventualities, so you can focus on running your business.
Why you need business insurance for carpet cleaners
Injury at a client’s office
Working in a busy office you’ve moved several rugs to clean them. You’ve been careful to replace them, but an office employee trips over one, injuring his arm. He needs medical treatment and takes time off work, so he files a claim that you’re at fault for his injury. Public liability insurance from Hiscox ensures you're covered against defending the case with legal costs and any potential settlement.
Problems with chemicals
Your business involves specialist equipment, but it also uses cleaning chemicals that can be hazardous if they’re not handled correctly. If an employee spills something and it leads to a health problem they might blame you. Even if the spillage was a complete accident or down to their inexperience, they may claim they weren’t given enough training, which means you could face legal action. We'll be there to help with the costs of defending yourself so you can get on with the job in hand.
Broken equipment
Your carpet washer falls from the back of your vehicle and is damaged beyond repair. It’s critical for your work and you can’t earn money without it. Portable equipment insurance ensures the cost of replacing the device is covered, so you can get back to work with minimum disruption. It’s part of your tailored business insurance policy for carpet cleaners from Hiscox.
If you’re not sure what you need, tell us a little more about your carpet cleaning business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for carpet cleaners
Public liability insurance
Public liability insurance ensures you’re covered if someone claims they’ve been injured or that their property was damaged as a result of the work you’ve carried out, or the products you’ve used. It might be your own mistake, the fault of an employee or you may feel the claim is unfair, but either way you still need to be protected. Your business insurance for carpet cleaners will pay compensation on your behalf as well as the legal costs of defending the claim. Both public liability and product liability cover will help you with the costs of compensation and the legal expenses of the claims process.
Employers' liability insurance
Employers' liability insurance means you’re covered if someone claims they’re injured because of the work they do for you. It could be a full-time employee, but it could just as easily be a contractor, an apprentice or even just someone helping you out at the weekend. If they injure themselves on site, or anywhere else on your time it may mean they miss out on further work and earnings. If that happens, they could blame you and seek compensation.
Portable equipment insurance
As a professional carpet cleaner, insurance for your tools is essential. Your job requires specialist equipment that’s not only expensive, but also difficult to replace in a hurry. If something is damaged or stolen it can mean lost earnings, missed appointments and angry clients. Whether it’s your own equipment or something you've hired especially for the job, they can be covered for replacement or repair with portable equipment insurance cover from Hiscox.
These are just some of the types of business insurance for carpet cleaning firms that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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