As a carpet cleaner, you’re often called out to clear up all sorts of mess. And while your job involves cleaning up other people’s accidents, there is always a chance you could have one of your own. Which is why insurance for your carpet cleaning business is vital to protect you and your staff if something does go wrong.
Professional indemnity insurance for carpet cleaners
Carpet cleaning doesn’t always mean working with cleaning products and equipment. In your line of work, you may provide your clients with expert advice to help them restore an antique rug or upholstered furniture. And, however considered that advice might be, even the most experienced professionals make mistakes, and your client could hold you liable.
Professional indemnity insurance for carpet cleaners would cover you if your client suffered a financial loss as a result of your advice. This could include compensation and legal fees, plus the cost of any repairs, damage or injuries.
More about Hiscox Professional Indemnity Insurance.
Carpet cleaning public liability insurance
Public liability insurance is one of the most important types of insurance for those running a carpet cleaning business. This type of insurance covers you if your client or a member of the public is injured or incurs a financial loss as a result of your work, as, ultimately, you could be held liable. With carpet cleaning liability insurance and upholstery cleaners insurance, you’re covered for situations such as:
- If you accidentally damage a client’s property – for example, if you knock over an expensive piece of art or stain one of their walls, while cleaning up a mess
- If a member of the public hurts themselves as a result of your work – such as, if someone tripped and fell because you had left your cleaning products on the floor
More about Hiscox Public Liability Insurance
Employers’ liability insurance for carpet cleaners
Do you employ other people in your carpet cleaning business? If so, there’s always a chance they could become injured or ill because of something that happens on the job. Should an incident happen, they could take legal action and seek compensation from you. What’s more, if you were exposed for breaking health and safety regulations, you could be prosecuted.
If you have one or more members of staff, employer’s liability insurance could give you the protection you need in this kind of situation. With the right level of cover, it can also cover the cost of defending or settling any legal cases that may arise as a result. It’s worth being aware that this specific type of insurance for carpet cleaning businesses, only covers your employees, and won’t cover you personally.
More about Hiscox Employers’ liability insurance
Do I need both public liability + employers’ liability insurance?
Whether you employ just one member of staff or a whole team, your business is legally required to have employer’s liability insurance. Public liability insurance, on the other hand, is not legally required, although most carpet cleaners still see it as essential. However, it’s worth noting that your employees would not be covered by public liability insurance.
Winner 8 years running
Our office contents insurance protects home or office-based small businesses against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as:
- Portable equipment – cover for equipment outside of the office, such as mobiles and laptops
- Business interruption – cover for the financial losses that result from being unable to trade due to an unexpected interruption
- Equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment
More about Hiscox Office Insurance
Personal accident insurance
Our personal accident business is designed to support your business, if you or a key employee is unable to work due to an accidental bodily injury. Having a member of staff out of action could cause significant disruption and have an impact on your business’s finances. This type of insurance for carpet cleaners can help offset any financial losses by providing your business with a lump sum or weekly amount up to the limit of our cover.
More about Hiscox Personal Accident insurance
Cyber and data insurance
Running a carpet cleaning business may involve spending much of your time in clients’ homes, but it’s also likely you’ll use a computer to keep track of your accounts and stay on top of your business. If so, there is always the risk of being attacked by a hacker or experiencing a data leak. And if this happens, cyber and data insurance provides vital cover. This kind of carpet cleaning insurance protects you against possible legal and recovery costs in the event of an incident, and gives you peace of mind so you can get on with your decorating job.
More about Hiscox Cyber Risks Insurance
Tailor your business insurance quote
- Award-winning claims service
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: