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As a carpet cleaner we know you pride yourself on leaving your clients’ spaces looking spick and span, but as with any business, there’s always the chance that something could go wrong.
Carpet cleaners’ insurance from Simply Business starts with public liability insurance, to protect you in case someone makes an injury or damage claim against you, for example if you accidentally cause damage to the property while you’re cleaning the carpet.
You can add other business insurance to your carpet cleaner policy too, including business equipment insurance, buildings insurance if you’ve got a premises, and 24/7 personal accident insurance.
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A carpet cleaner insurance policy from Simply Business starts with public liability insurance, and you can then add other insurance covers depending on the risks you want to cover.
The only business insurance that’s a legal requirement is employers’ liability insurance, which is compulsory for most businesses with staff.
The cost of your policy will depend on your business details, as well as the covers and cover levels you choose.
Public liability insurance can protect you against injury or damage claims made by members of the public, including your clients or passersby. For example, if you spilled carpet cleaning chemicals over a client’s office equipment, or if you knocked a vase over while cleaning a carpet in a home, you could face a compensation claim. Your public liability insurance could cover the legal fees and compensation payment, up to the limit of your policy.
Employers’ liability insurance is usually a legal requirement if you employ staff. Other covers you may want to add to your policy include business legal protection insurance and business interruption insurance. You can also add personal accident insurance, which can pay out if you’re injured inside or outside of work.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.