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Being a professional carpet cleaner means you’re used to putting things right after accidents have happened, but you must be prepared for the unexpected yourself. Whether you specialise in commercial or domestic carpet cleaning, there is a risk of injury and property damage.
From slips, trips and falls, to injuries from chemicals, to damage caused to personal property, a lot can go wrong. Having the right carpet cleaning liability insurance in place will help to safeguard your finances in scenarios like these. At Markel Direct, we offer carpet cleaner insurance tailored to meet your needs. We’re here for you when things don’t go to plan.
Cover at a glance:
- Cover for risks, including injury, damage and theft
- Financial protection from legal claims
- Equipment and machinery cover available
- Suitable for mobile and home-based businesses
What is carpet cleaners’ insurance?
Carpet cleaners’ insurance is a policy created specifically to suit the needs of people working in your profession. It can include various types of financial cover. These policies typically start with public liability insurance for carpet cleaners. Other popular cover options include tools insurance, employers’ liability cover and occupational personal accident protection.
We offer a full range of cover options to suit professional carpet cleaners, ensuring you get the financial protection you need.
Cover starting from
£8 a month*
*Price based on a carpet cleaner requiring £1 million of public liability insurance cover.
Do I need carpet cleaners’ insurance?
As a carpet cleaner, you might need certain types of financial protection. This is because if a problem arises and you lack appropriate insurance, you could be left facing significant costs. This may even jeopardise the future of your business.
For example, a worker in a busy office might trip over a rug you have moved while you are cleaning the carpet underneath, suffering injuries as a result. Could you deal with the possible legal expenses and compensation costs if something like this were to happen? Or what if you spill cleaning fluid on a laptop or other electronic device in a customer’s workplace or home? Would you be able to pay to repair the damage? If your finances would come under strain in situations like these, you should consider getting appropriate insurance.
There are your workers to think about too. If you employ people, you’re legally required to have at least £5 million of employers’ liability cover in place. Also, consider any tools you rely on to do your job. This equipment may be costly, and if it’s damaged, lost or stolen, you’ll need to replace or repair it. The right tools insurance will mean you’re not left out of pocket in a scenario like this.
Public liability insurance for carpet cleaners
Carpet cleaning inevitably brings you into contact with members of the public and their possessions. This means you should strongly consider taking out public liability insurance to protect yourself against claims made by third parties for injury or property damage suffered due to your business.
When you’re dealing with electrical equipment, water and cleaning chemicals, there is always a chance that something will go wrong - no matter how careful you are. If it does, the consequences for your finances could be serious. For example, you might accidentally damage a wall or spill cleaning fluid on other items of furniture, leaving them stained.
Or a customer might trip over an electrical cable leading to your extraction cleaner, suffering injuries as a result. In cases like these, you could find yourself subject to costly compensation claims. Public liability insurance for carpet cleaners covers compensation payments in instances like these, as well as the legal costs of defending the claim.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Why choose Markel Direct for carpet cleaners’ insurance?
Here are just some of the reasons to choose Markel for your carpet cleaners’ insurance:
✔ A quote in as little as 90 seconds
You don’t have to hang around to get a quote from us. Simply complete our online form and we’ll provide you with a quote in under two minutes.
✔ Cover designed to suit you
A one-size-fits all approach to carpet cleaners’ insurance just won’t cut it. That’s why we offer tailored cover designed to match your precise requirements.
✔ Legal advice around the clock
When you need legal advice in a hurry, you can call our 24/7 legal helpline run by experienced solicitors.
✔ No hidden fees
Our pricing system is fully transparent, so you won’t have to worry about unexpected costs when you purchase insurance for carpet cleaning businesses from us.
✔ Customer ratings that do the talking
You don’t just have to rely on our word for how good our insurance is. Take a look at the impressive ratings our customers give us on Feefo.com.
How to buy carpet cleaners’ insurance
Buying carpet cleaner insurance from us is quick and easy. All you have to do is complete our online quote form and we’ll provide you with a personalised quote in as little as 90 seconds.
You can decide whether to start your cover straight away or arrange a policy up to 30 days in advance.
What types of insurance do carpet cleaners need?
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Public liability insurance
Public liability insurance protects you from claims made by third parties who experience property damage or personal injury because of the actions of your business. Our public liability insurance policies for carpet cleaners are available with cover limits of between £1 million and £5 million.
Example of a claim:
While cleaning a carpet in a client’s home, you accidentally knock over a valuable ornament, causing it to smash. Your client seeks compensation for the damage caused. -
Employers' liability insurance
Employers’ liability insurance covers the legal fees and compensation costs if a worker sues you over an illness or injury they have suffered as a result of their job. Our policies are available with a limit of £10 million.
Example of a claim:
A worker is preparing a cleaning solution when the bottle spills, causing them to suffer chemical burns. They make a claim against you for their injury. -
Tools insurance
Tools insurance protects you if the equipment you use to run your carpet cleaning business is damaged, stolen or lost. Choose from cover limits of between £1,000 and £5,000. You can decide whether to insure your tools during working hours only (8am – 8pm) or protect them around the clock for extra peace of mind.
Example of a claim:
A fire in the garage where you keep your cleaning tools destroys valuable equipment, meaning you have to purchase replacements. -
Legal expenses insurance
Legal expenses insurance can help to cover the cost of defending or pursuing legal actions against other parties such as suppliers, clients or employees. This could be for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.
Example of a claim:
A supplier has failed to deliver building materials you’ve paid for and is ignoring your requests for a refund. You face the costs associated with recovering the debt owed to you.
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Occupational personal accident insurance
Occupational personal accident insurance is there to support your income if you find yourself unable to do your job because of an injury you suffer as a result of your work. It can provide weekly payments or one lump sum, depending on the type of injury you experience.
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Owned plant insurance
Owned plant insurance covers you if you have to replace or repair plant machinery you own because it has been damaged or stolen. Our cover is available with limits of between £10,000 and £50,000.
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Hired in plant insurance
Hired in plant insurance protects you if you hire plant machinery from a third party and it is damaged or stolen. Our policies are available with cover limits of £10,000 to £50,000.
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Contract works insurance
Contract works insurance covers the cost of redoing or repairing work you have done on a construction site in the event of fire, flood, theft or act of malicious damage.
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Goods in transit insurance
Goods in transit insurance protects your goods if they are lost or damaged while they are being moved from one location to another. It can cover goods being transported by your own vehicles or by a third-party carrier.
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Professional indemnity insurance
Professional indemnity insurance is designed to protect you if a client sues you because they believe you have made an error in the service you have provided.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does carpet cleaners’ insurance cost?
Carpet cleaning business insurance costs vary depending on factors including the size of the business, the level of protection you choose and the types of cover you go for. At Markel Direct we offer carpet cleaners insurance from £8* a month.
For a clear idea of how much your cover will cost, simply get a quote on our website today.
* Price based on a carpet cleaner requiring £1 million of public liability insurance cover.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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Is business insurance a legal requirement for carpet cleaners?
The only type of insurance that is a legal requirement for carpet cleaners is employers’ liability cover - and this only applies if you have people working for you. However, it is important to think about the potential consequences for your finances if you lack important types of insurance, such as public liability protection and tools insurance.
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Can I just cover my most expensive carpet cleaning tools?
We are unable to offer this. When you come to Markel Direct for your tools insurance, we require you to cover all of your equipment. This is to ensure that you are fully protected if you need to make a claim. Failing to get financial cover for all your equipment might result in your claim not being covered, or you getting a smaller amount.
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What should I do if a client asks me for proof of insurance?
If a client asks you for proof of insurance, simply show them the 'Confirmation of Liability Insurance' that we will send you by email as soon as you purchase cover from us.
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How is Markel regulated?
Markel is regulated by the Financial Conduct Authority and the Prudential Regulation Authority. For more information, visit the Financial Services Register.
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