Carpet Cleaning Insurance

Minnesota Carpet Cleaning Insurance

Are you looking for carpet cleaning insurance for your business? Our local Minnesota insurance agency could save you 20%- 37% on carpet cleaning insurance. We do this by shopping numerous insurance companies and comparing costs and coverage, which saves you time and money.

Be sure your liability insurance has the right coverage to protect your company. As a carpet cleaning business, you may damage things other than carpets.

The cost of carpet cleaning business insurance is less than you think. Rates start around $50/mo for one owner.

As your business expands, you might need commercial auto insurance for your van or truck. We can also insure your vehicle(s).

Hiring an employee is the next step, and you would need Minnesota workers’ compensation insurance. Numerous insurance companies write workers’ compensation insurance in Minnesota.

We have you covered for residential or commercial carpet cleaning contractors. Request pricing by clicking the Get My Quote button or calling 952-222-8073. Same-day coverage is available in most situations.

My General Contractor is Looking for Proof of Insurance

Many times, a general contractor will ask for a certificate of insurance or proof of insurance so you can work and get paid. They are just looking for general liability insurance fifty percent of the time.

Sometimes, they are also looking for additional insured status per project, completed operations, a waiver of subrogation, primary non-contributory language, commercial auto insurance, workers’ compensation insurance, or even a commercial umbrella.

General Liability Insurance for a Carpet Cleaning Business

General liability insurance is the core policy and starting point of most Minnesota carpet cleaning businesses. It covers bodily injury and property damage, making it crucial for your business.

The cost is typically rated based on payroll, either the pre-set payroll for one owner or the owner’s plus employee payroll.

Companies often include a property damage deductible ($500, $1,000, $2,500, etc.). Consider this deductible when determining the proper insurance for your Minnesota business, as it should reduce the cost.

Typical limits of liability coverage are $1,000,000/$2,000,000. The $1,000,000 represents the per-occurrence limit or claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented.

We recommend you consider insuring your tools and equipment. Machines that clean carpets can be expensive; insure them and protect your business.

Perhaps the general contractor has given you some specific requirements. Please email them to us. Doing this saves a lot of time, and we can get you an accurate price quote the first time. It also speeds up the process and helps you quickly secure an insurance certificate and the contract.

Business Owners Policy (BOP)

Take a general liability insurance policy and mix in what many carpet cleaning businesses need, like building and business personal property coverage.

If you qualify, a BOP is preferred as it offers many benefits, including business interruption insurance.

Contact Us for a Quote 

Please tell us about your carpet cleaning business insurance requirements or ask us to explain. We provide public liability insurance for carpet cleaners and stand ready to discuss your unique needs.

Let us assist you in finding the best insurance company, cost, and coverage for your business. We work with over fifty insurance companies and pride ourselves on finding you the best deal.

We have the experience you need and some of the best prices in town. Request a liability insurance quote for your Minnesota small business. Please don’t delay any longer, do yourself a favor and call us now at 952-222-8073.

Frequently Asked Questions About Insurance for Carpet Cleaning Business (FAQ)

Q- What does carpet cleaning business insurance cost?

Ans: Carpet cleaning business insurance costs start at $42/mo for a single owner; larger companies can expect to pay more for general liability insurance. The most common limit of coverage is $1 million.

Q- Are there carpet cleaning insurance requirements?

Ans: Yes, by law, in Minnesota, if you have employees, you must carry workers’ compensation insurance. General liability insurance is not required, but it is commonly the first policy a carpet business would buy.

Q- What kind of insurance do I need for a carpet cleaning business?

Ans:- General liability insurance protects Minnesota carpet cleaning businesses against primary risks, such as bodily injury and property damage. An accident can damage a customer’s property during cleaning, and it’s also possible that someone could be injured by something you have done.  A slip and fall could undoubtedly happen due to a wet floor.

Please remember that general liability insurance does not cover what you are working on. Instead, other than what you are working on. So, if you damage the carpet during the cleaning, it is not covered.  However, damage to a wooden floor or door could undoubtedly happen.