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Carpet Cleaning Insurance

Save up to 25% in discounts on carpet and upholstery cleaning insurance​.*

Choose your primary coverage to get started:

Carpet cleaning business insurance can help protect you from

Injuries

Medical costs

If someone gets hurt at work or if a passerby slips and falls on a wet floor.**

Property damage expenses

If you or an employee damage a client’s property while you’re cleaning.

Theft or burglary loss

What happens if your work gear and equipment get stolen? Business insurance could help.

The costs of a work vehicle accident

If there’s a collision while you’re driving for work or your business driving causes damages.

Get carpet cleaning insurance that’s fast, easy and affordable

ERGO NEXT specializes in small business insurance. Insurance for a carpet cleaning business can help protect you, your company and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

  • Check prices, get covered and buy 100% online in about 10 minutes.
  • Manage your policy 24/7 via web or mobile app.
  • Pay monthly or annually and cancel anytime.
  • Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in carpet cleaner insurance
Carpet and upholstery cleaning insurance is usually several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
Carpet cleaning General Liability insurance

Carpet cleaning General Liability insurance

Protection for damage to other people's property and injuries to non-employees
General liability coverage could help cover medical costs for a client or passerby who gets injured while you’re working. It can also help if you or your employees accidentally cause damage to a client’s property or work space.

general liability can help you pay for:

Slip-and-fall injuries
Damage to someone else’s property
Medical expenses
Commercial Auto insurance

Commercial Auto insurance

For business owners who own or drive vehicles
Most states require commercial auto insurance coverage for business-owned cars, trucks, trailers or other vehicles or personal vehicles you drive for business. A commercial auto policy could help cover losses from medical expenses and property damage after an accident. In many cases, your personal auto insurance might not cover you.

commercial auto can help you pay for:

Collision repairs
Rental vehicle reimbursement
Medical bills
Workers' Compensation insurance for carpet cleaning companies

Workers' Compensation insurance for carpet cleaning companies

For employee work-related injury and illness
Workers’ comp coverage can help pay for medical expenses and lost wages after a worker injury on the job. Most states require it if you have employees. Owner’s coverage can also help protect you.

workers compensation can help you pay for:

Medical costs
Lost wages during recovery
Employer liability
Tool and Equipment insurance

Tool and Equipment insurance

Protection for the gear you bring to a job site
Tools and equipment coverage, also called inland marine insurance, could help protect your commercial cleaning gear in your vehicle, in storage or at the location you’ve been hired to clean. This coverage is available as an add-on to general liability insurance for cleaning companies.

inland marine can help you pay for:

Damage to equipment owned by you
Theft of essential tools and clothing
Stolen or damaged equipment that you’ve borrowed

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excellent service

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Great service And price

First of all I want to thank you all agents from next insurance. I did a job for a company and they told me I need some other insurance to get paid, so I called Next Insurance and ...

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Save up to 25% in discounts on carpet cleaner insurance

Pay monthly or annually, and you can cancel anytime.

Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000

How much does carpet cleaning insurance cost?

Premiums for a carpet cleaning insurance policy insurance are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

  • The type of cleaning work you do.
  • The types of clients you have.
  • Your business location.
  • Your number of employees.
  • Annual revenue.
  • The coverage limits and deductible you choose.
  • Your insurance claims history.
  • The unique risks of your business.

The best way to know for sure what you’ll pay is to check our prices and get a free quote. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

How can carpet cleaning insurance help your business?

You might need carpet cleaner insurance to help your business:

  • Get work. Many clients require proof of insurance — usually general liability insurance — before they’ll hire you for cleaning services.
  • Drive for business. Business-owned vehicles and personal vehicles you drive for work are typically required to have commercial auto insurance.
  • Protect your business equipment. If your cleaning supplies get stolen or damaged at work, tools and equipment insurance could help.
  • Hire employees. Most states require workers’ compensation insurance for small businesses with employees.

Carpet Cleaning insurance FAQ

If you don’t find answers here, our licensed, U.S.-based insurance advisors are standing by to help.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

Related professions covered by ERGO NEXT

Carpet Cleaning, Floor Waxing, Garbage Collection, House Cleaning and Maid Service, Janitorial, Pressure Washing, Septic Tank Cleaning, Window Cleaning
What we cover
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© 2026 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts and policy start times apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.