Rug Upholstery Carpet Cleaning Insurance Policy Information
Rug Upholstery Carpet Cleaning Insurance. If you have a rug, upholstery or carpet cleaning business, then you know that most of your work and time will be spent working in a client's premise or handling his property. In the course of your daily cleaning activities, there are many unforeseen risks your business can face.
Carpet cleaners provide cleaning services for rugs and carpets at a customer's premises. Some operations limit their services to one client only. Others have a number of ongoing clients or offer services to the public on an "as needed" basis. For business customers, work is often done while the business is closed. The carpet cleaner removes furniture and other obstacles from the area, vacuums the carpet, pretreats it with a cleaning solution, then finishes the job with an extraction machine that sprays heated water into the carpet while simultaneously vacuuming up the used solution along with dislodged dirt and other debris.
Special coatings, such as stain-proofing or water-proofing, may be applied. The extraction machines may be a portable self-contained unit for small operations but, usually, are connected to a truck by large hoses that provide the water and remove and store the used solution.
The good thing is that you can buy rug upholstery carpet cleaning insurance to protect you from the many threats you face.
Rug upholstery carpet cleaning insurance protects your business from lawsuits with rates as low as $37/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked rug, upholstery and carpet cleaning insurance questions:
- What Is Rug Upholstery Carpet Cleaning Insurance?
- How Much Does Rug Upholstery Carpet Cleaning Insurance Cost?
- Why Do Rug, Upholstery & Carpet Cleaning Contractors Need Insurance?
- What Type Of Insurance Do Rug, Upholstery & Carpet Cleaning Contractors Need?
- What Are Rug, Upholstery & Carpet Cleaners Risks & Exposures?
- What Does Rug Upholstery Carpet Cleaning Insurance Cover & Pay For?
What Is Rug Upholstery Carpet Cleaning Insurance?
Rug upholstery carpet cleaning insurance is a type of insurance that covers the cleaning and maintenance of rugs, carpets, and upholstery in a home or business.
This type of insurance typically covers accidental damage or stains, as well as loss or damage to the cleaning equipment and materials. It may also provide liability coverage for any injuries or damages that may occur during the cleaning process.
This insurance is often purchased by professional cleaning companies or individuals who offer rug and upholstery cleaning services.
How Much Does Rug Upholstery Carpet Cleaning Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small rug upholstery and carpet cleaning businesses ranges from $37 to $59 per month based on location, size, payroll, sales and experience.
Why Do Rug, Upholstery & Carpet Cleaning Contractors Need Insurance?
There are several reasons why rug upholstery and carpet cleaners need insurance. Firstly, insurance protects the business in case of any unforeseen circumstances or accidents that may occur during the cleaning process. This can include damage to the customer's property, injuries to the cleaner or their employees, or damage to the cleaning equipment.
Secondly, insurance protects the cleaner from any legal liabilities that may arise from their work. For example, if a customer sues the cleaner for damages or injuries sustained during the cleaning process, insurance can provide financial protection for the business.
Finally, insurance can also provide peace of mind for the cleaner and their employees, knowing that they are protected in case of any unexpected events. This can allow the cleaner to focus on providing quality service to their customers, without worrying about potential financial risks.
Overall, insurance is an important aspect of any business, and rug upholstery and carpet cleaners are no exception. It helps to protect the business, its employees, and its customers, ensuring that the cleaning process is conducted smoothly and safely.
What Type Of Insurance Do Rug, Upholstery & Carpet Cleaning Contractors Need?
Rug, upholstery, and carpet cleaning contractors typically need the following types of insurance:
- General Liability: This covers damages or injuries that may occur on the job, such as if someone slips and falls on a wet rug.
- Business Property: This covers any damages or losses to the contractor's equipment, tools, and vehicles.
- Workers Compensation: This covers medical costs and lost wages for any employees who are injured on the job.
- Professional Liability: This covers any errors or omissions made during the cleaning process, such as if a rug is damaged due to improper cleaning techniques.
- Commercial Auto: This covers any damages or injuries that occur while driving to and from jobs.
In addition to the insurance coverage mentioned above, rug, upholstery, and carpet cleaning contractors may also want to consider adding:
- Cyber Liability: This covers any losses or damages resulting from a cyber attack or data breach.
- Employment Practices Liability: This covers any legal fees and settlements resulting from employment disputes or discrimination claims.
- Business Interruption: This covers any lost income or additional expenses incurred if the business has to shut down temporarily due to a covered event, such as a natural disaster.
- Environmental Liability: This covers any damages or injuries resulting from the release of hazardous substances or materials during the cleaning process.
It is important for rug, upholstery, and carpet cleaning contractors to assess their business needs and determine which types of insurance coverage will provide the most protection for their specific operations.
What Are Carpet Cleaners Risks & Exposures
Premises liability exposures are limited at the cleaner's premises due to lack of public access. Off-premises exposures are high as cleaning is done on customers' premises. Hoses, electrical cords, wet carpeting, and adjacent flooring can pose a trip and fall hazard to the client's family members, employees, or customers. Doors left ajar for truck-mounted hose access may allow insects or rodents to enter a building, or for small children or pets to escape a residence.
Furniture moved at the customer's site by the cleaner may be damaged or scratched. Breakables may be dropped. The absence of basic controls such as proper caution signs may indicate a morale hazard. Noise from truck-mounted equipment may affect neighbors. Damage to the carpets being cleaned will fall under the care, custody, and control exclusion, and should be covered with a bailees customers form under inland marine. Failure to secure the premises during cleaning and especially upon completion of the work is a major concern. The hazard increases in the absence of proper training and procedures such as lockup, key control, and final checklist.
Some areas of a customer's home or business may need to remain closed because they contain property susceptible to damage, dangerous pets, or confidential information. Personal injury exposures include assault and invasion of privacy. Failure of the cleaning service to run background checks and review references on employees increases the hazard and reduces available defenses.
Environmental impairment exposure is moderate due to the potential for air, surface or ground water, or soil contamination due to the disposal of used cleaning materials and waste extracted from carpets. Disposal must adhere to all federal and state guidelines.
Workers compensation exposure can be high. Work is frequently performed under time constraints. Workers can experience lung, eye, or skin irritations and reactions to the cleaning chemicals. Employees must be fully informed as to the potential effects of any chemicals, including long-term occupational disease hazards so that they can take action as quickly as possible.
Slips and falls can occur during cleaning. The lifting of furnishings and hoses can result in back injury, hernia, sprain, and strain. Burns can result from pressing machines. Employees can be assaulted if they work alone or "off hours" in empty premises. Pets owned by the client may attack or bite workers.
Property exposures are usually limited to an office with a storage area for equipment and supplies. Ignition sources are limited to electrical wiring and heating and air conditioning systems. There may be a garage area for vehicles used to transport equipment and crew to job sites.
If any of the chemicals and cleaners are flammable, proper labeling, separation, and storage is needed in approved containers and cabinets. Fuels, oils, and lubricants will increase the fire hazard if vehicles are stored and maintained on the premises.
Crime exposures are primarily from employee dishonesty as employees may steal customers' belongings. Hazards increase without proper background checks, references, and reviews conducted by the carpet cleaner to be sure all procedures are properly followed.
Inland marine exposures include accounts receivable if the cleaner offers credit, bailees customers, contractors' equipment, and valuable papers and records for customers' and suppliers' information. The bailees exposure is for customers' property in the care, custody, and control of the carpet cleaner. A small spill or other damage to a customer's carpet could reduce the value or require replacement of the entire item. Contractors' equipment includes cleaning equipment and supplies used at customers' premises. There may be computers used for recordkeeping.
Automobile exposures may be high as owned vehicles are used to transport equipment, supplies, and crew to customers' premises. Small tank trucks contain cleaning solutions, water, and the used solution with wastes after removal. All drivers must have a valid driver's license and acceptable MVR. Vehicles must be regularly maintained and records kept at a central location. If vehicles are taken home, there should be written procedures regarding personal use by employees and their family members.
What Does Rug Upholstery Carpet Cleaning Insurance Cover & Pay For?
Rug, upholstery, and carpet cleaners can be sued for a variety of reasons, including:
- Property damage: If a cleaner damages a customer's property, such as a rug or upholstery, the customer may sue for the cost of repair or replacement.
- Personal injury: If a customer or third party is injured on the job site, they may sue for medical expenses, lost wages, and pain and suffering.
- Breach of contract: If the cleaner fails to perform the services as promised or breaches a contract, the customer may sue for damages.
- Negligence: If the cleaner fails to exercise reasonable care while performing the cleaning services, resulting in harm to the customer or their property, they may be sued for negligence.
Insurance can protect rug, upholstery, and carpet cleaners from lawsuits by providing coverage for legal expenses and damages. Here are some examples of how insurance can help pay for a lawsuit:
Property damage: If a cleaner damages a customer's property, their liability insurance can cover the cost of repair or replacement. For example, if a cleaner spills a cleaning solution on a customer's rug, causing discoloration or damage, their liability insurance can cover the cost of repairing or replacing the rug.
Personal injury: If a customer or third party is injured on the job site, the cleaner's liability insurance can cover the cost of medical expenses, lost wages, and pain and suffering. For example, if a customer slips and falls on a wet floor while the cleaner is working, their liability insurance can cover the cost of the customer's medical bills and other expenses.
Breach of contract: If a customer sues for breach of contract, the cleaner's professional liability insurance can cover the cost of legal fees and damages. For example, if a cleaner fails to perform the services as promised or breaches a contract, and the customer sues for damages, the cleaner's professional liability insurance can cover the cost of legal fees and damages.
Negligence: If a cleaner is sued for negligence, their liability insurance can cover the cost of legal fees and damages. For example, if a cleaner fails to exercise reasonable care while cleaning and damages a customer's property or causes injury, their liability insurance can cover the cost of legal fees and damages.
In summary, rug, upholstery, and carpet cleaners can be sued for various reasons, and insurance can protect them from financial losses by covering legal expenses and damages. It's important for cleaners to have appropriate insurance coverage to protect themselves and their businesses.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7217 Carpet and Upholstery Cleaners
- NAICS CODE: 561740 Carpet and Upholstery Cleaning Services
- Suggested Workers Compensation Code(s): 2585 Laundry NOC & Route Supervisors, Drivers
Description for 7217: Carpet and Upholstery Cleaners
Division I: Services | Major Group 72: Personal Services | Industry Group 721: Laundry, Cleaning, And Garment Services
7217 Carpet and Upholstery Cleaning: Establishments primarily engaged in cleaning carpets and upholstered furniture at a plant or on customers' premises. Establishments primarily engaged in rug repair are classified in Industry 7699, and those primarily engaged in reupholstering and repairing furniture are classified in Industry 7641.
- Carpet cleaning and repairing plants
- Carpet cleaning on customers premises
- Furniture cleaning on customers premises
- Rug cleaning, dyeing and repairing plants
- Upholstery cleaning on customers premises
Rug Upholstery Carpet Cleaning Insurance - The Bottom Line
To save time on finding the best insurance provider and policy, the best option is to contact a professional business insurance agent. This will help you make an informed decision on the best insurance policy for your cleaning business.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.