Insurance for carpet and upholstery cleaners.

General liability, commercial auto for truckmount vans, workers’ comp, and bailee coverage for carpet, rug, and upholstery cleaners working in homes, offices, and apartment turnovers.

What carpet cleaners usually carry

General liability, $1M / $2M
Commercial auto
Truckmount and portable equipment
Bailee coverage, for rugs you take in
Workers’ comp
Umbrella

Watch for these in a carpet cleaning policy

The carpet you are cleaningDye bleeding, shrinkage, and seams that come apart can be excluded as damage to the very property you are working on. Some cleaning programs add a limit back.
Rugs at your plantArea rugs in your van or your wash plant belong to your customers, and general liability excludes property in your care. Bailee coverage pays when one is ruined, lost, or stolen.
Truckmount valueA truckmount can be worth more than the van it sits in. Rate the auto on the full value of both, or schedule the unit on its own, so a total loss is not paid short.
Over-wetting and moldCarpet left too wet can grow mold under the pad weeks later. Many policies exclude mold or cap it at a low limit.
Flood and water extractionEmergency water extraction after a leak or flood is restoration work. Many carpet cleaning policies exclude it or rate it separately, so list it if you take those calls.

What property managers and facility managers ask carpet cleaners for

Additional insuredProperty managers ask to be named for work in their units and common areas.
Auto liabilityCommercial accounts often ask for $1M on the vans you bring on site.
Workers’ compA certificate before your crew works in their buildings.
Waiver of subrogationOn general liability and workers’ comp for larger commercial accounts.

Questions carpet cleaners ask