Business Insurance for Carpet Cleaners

Let us help you guard against the risks associated with owning a mobile carpet cleaning business.

Why you could benefit from carpet cleaner business insurance

Don’t let an on-site accident permanently stain your small business. We can help protect you, your workers, and your equipment with insurance for carpet cleaning businesses.

Carpet cleaner business insurance from State Farm® can help cover you in cases of:

  • Theft – Despite best efforts to secure equipment in work vehicles, thieves tend to find ways in. We can help cover you in the event of stolen property.
  • Damage to the property of a client – No one means to bump into the bookcase and knock off a priceless vase while cleaning a large area rug. But damage to client property happens. Let us cover you just in case.
  • Claims made after a job has finished – Sometimes cleaning solutions leave a lasting mark on the carpet or the subflooring, which become visible after you have completed your work. We can shield you against related potential lawsuits.

What carpet cleaner business insurance covers

We’ll start with a package of coverages most carpet cleaning business owners need. Then we’ll help you customize those coverages to fit your unique business. The result? A Carpet Cleaner Business Insurance policy keeps you properly covered at a surprisingly great rate.

  • Business Personal Property – Protects your content and equipment from accidental direct physical loss.
  • Building Property – Covers your building, storage buildings, garages, fixtures, and other structures. It also covers specific features of those structures, such as installed floor coverings and building glass.
  • Business Liability – Shields you financially against costly claims and lawsuits.
  • Completed Operations – Insures against bodily injury and property damage claims resulting after a construction or service project is completed.
  • Mobile Equipment – Broadly covers mobile equipment, tools, and equipment used in contracting operations.
  • Installation Floater – Insures you against damage to or loss of property owned by you or others while it is in transit or waiting to be installed at a job site.
  • Property of Others – Protects you in case the property of a client is damaged while in your possession.

Consider adding additional coverages

Depending on the type of carpet cleaning business you own, the number of employees you have, and other factors, what’s covered in your Carpet Cleaner Business Insurance policy may not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Employers’ non-owned and hired car

If your business uses hired, leased or loaned vehicles on a short-term basis, or if employees use their vehicles for your business, you may want to consider employers’ non-owned and hired car coverages. Talk to a local agent about available coverage options in your state.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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