Yes, if you work in clients' homes or businesses, having insurance is essential. Public liability insurance protects you if you accidentally damage property or someone is injured whilst you're working. Many clients and commercial premises won't hire you without proof of insurance.
Carpet Cleaning Insurance
Protect your carpet cleaning business with comprehensive insurance from £8/month*. Get instant cover for public liability, professional indemnity, and equipment insurance in just 90 seconds.
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what is carpet cleaning insurance?
As a carpet cleaner, you're no stranger to the risks of working in a trade. There's a lot that can go wrong when you're cleaning delicate fabrics or working in a client's home or business. That's where carpet cleaning insurance from TradesmanInsure comes in; it's there to protect your finances if things don't go as planned. Whether it's accidental damage to a carpet or an unexpected slip, knowing you're covered helps take a load off your mind and lets you focus on the task at hand.
Carpet cleaner's insurance is a range of different types of cover. You can include things like public liability, equipment insurance, professional indemnity insurance or legal expenses insurance. You can build your insurance policy to fit your business perfectly, so you only have to pay for the cover you actually need.
For instance, if you accidentally damage an expensive Persian rug whilst cleaning it, public liability insurance will cover the legal fees and any compensation costs. Or if your carpet cleaning machine gets stolen from your van, equipment insurance will cover the cost of replacing it. This means you can keep working with peace of mind, knowing that if things go wrong, you're sorted.
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- Get an instant quote online
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Complete Protection
- Public Liability up to £5M
- Employers' Liability £10M
- Equipment Cover
Expert Support
- UK-based support team
- 24 hour claims helpline
- Legal advice included
What does carpet cleaning insurance cover
Our carpet cleaning insurance policy is tailored specifically to meet the needs of carpet cleaners. Here are some of the key covers we offer:
Public liability insurance
Public liability insurance is a core part of an insurance policy for tradespeople. It’s there to cover you for accidental injury or property damage whilst you’re on the job – for example, if you were to accidentally damage a client’s carpet whilst cleaning it, or if someone were to slip on a wet floor during cleaning.
If you work with the public or clients, this insurance will help cover your legal fees and compensation costs if someone files a claim against you. There’s always a risk of causing injury or property damage when working in people’s homes or businesses, and facing costly legal action as a result, so having public liability insurance can protect your livelihood if the worst happens.
Equipment insurance
At TradesmanInsure, we know how crucial your equipment is for your carpet cleaning work. Our equipment insurance covers the cost of replacing or fixing equipment that is lost, damaged, or stolen due to a fire, flood, or theft from your van. You can choose between regular 8am-6pm cover or 24/7 cover to fit your needs. Whether it’s your carpet cleaning machines, extraction equipment or spot cleaning tools, our equipment insurance has got your back, ensuring your business stays on track.
Professional indemnity insurance
Professional indemnity insurance is there to cover you if your work or advice ends up causing a customer to lose money. The costs of replacing damaged carpets or furnishings can be eye wateringly high, so whether it’s a client alleging that you damaged their carpet, or that improper cleaning caused permanent staining or shrinkage, professional indemnity cover ensures you’re protected.
Employers’ liability insurance
If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your team is taken care of. In the UK this insurance is legally required, so it’s worth looking into this insurance or you could find yourself in hot water.
Unless you are exempt from paying employers’ liability insurance, the Health and Safety Executive (HSE) can fine up to £2,500 a day for businesses who don’t have the necessary cover in place. You can also get fined if you fail to display your employers’ liability insurance certificate.
Legal expenses insurance
If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court costs and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example, if a customer refuses to pay you after completing a carpet cleaning job, legal expense insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.
Occupational personal accident insurance
Occupational personal accident insurance is a safety net for carpet cleaners, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.
What does carpet cleaning insurance cover covers
how to get carpet cleaning insurance
To get a quote, fill out our quick and easy online form. Just answer a few questions about your trades business and get a custom quote in no time.
You can spread the cost of your insurance over 10 interest free monthly payments, or you can pay it all at once.
Why choose tradesmaninsure?
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4.8/5 customer rating on Feefo. With over 4500 reviews, you don’t have to take our word for it.
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25+ years’ experience of insuring tradespeople. So you can rely on us to provide the insurance you need.
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Easy online cover. Receive a tailored quote for your trades business in 90 seconds by filling in our quick and easy quote form.
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24/7 legal advice. You can access expert information and guidance with our legal advice helpline, whenever you need it.
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Frequently asked questions
Common questions about carpet cleaning insurance
If you have public liability or professional indemnity insurance, you're covered for accidental damage to clients' property. This includes expensive carpets, rugs, or furnishings. Your insurance will cover the cost of repair or replacement, as well as any legal fees if the client makes a claim.
Yes, our equipment insurance (also called tools insurance) covers your carpet cleaning machines and equipment if they're stolen from your van, or damaged by fire or flood. You can choose between 8am-6pm cover or 24/7 protection depending on your needs.
Yes, if you employ anyone – even part-time or casual staff – employers' liability insurance is a legal requirement in the UK. The Health and Safety Executive (HSE) can fine you up to £2,500 per day if you don't have it. This covers your employees if they're injured or become ill whilst working for you.
Carpet cleaning insurance starts from as little as £8 per month, depending on your cover level and business needs. You can customise your policy to include only what you need, and spread the cost over 10 interest-free monthly payments.
Yes! You can get an instant quote online in just 90 seconds, and your cover can start immediately once you've completed your application. This means you can be protected and ready to work on the same day.
Public liability covers accidental injury to people or damage to property (like spilling cleaning solution on a client's sofa). Professional indemnity covers claims that your work or advice caused financial loss (like if improper cleaning caused permanent carpet damage that needs replacing). Many carpet cleaners benefit from having both.
Yes, public liability insurance covers you if someone is injured on a job site, including slips and trips on wet floors during or after cleaning. This includes covering legal fees and compensation costs if they make a claim against you.