Carpet Cleaner Insurance

Cleaning carpets might seem straightforward, but accidents happen. The right insurance can keep your business covered in situations like:

• You accidentally damage a client’s property while cleaning
• Your cleaning equipment is stolen or damaged
• A fire or disaster damages your storage or office space
• A client sues over a stain that was made worse
• An employee gets injured as a result of their work

With the right cover in place, you can focus on delivering spotless results without worrying about the “what-ifs.”

While carpet cleaners insurance covers a lot, there are some exclusions, including:

• Intentional damage – Damage caused on purpose isn’t covered.
• Neglect – Failing to maintain or secure your tools can void your policy.
• General wear and tear – Normal ageing or wear on your tools and equipment isn’t included. 

Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.

Carpet cleaner insurance could cost from 23p a day*

Your actual price for carpet cleaner insurance depends on your own requirements. This is because your business is unique, and prices depend on a number of factors, including:  

• Extent of cover — The more cover you opt for, the more expensive your package will likely be. 
• Your insurer — Depending on who is willing to insure you, the price for their policies will vary. 
• Location — The location of your business is taken into consideration when calculating the cost of your premiums. 
• Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums. 

_{*The price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

Your tools are essential for getting the job done, and the last thing you need is to be without them, so you could consider tool insurance as an extra.

Tools and equipment insurance helps protect your gear from theft, loss, or damage, so you’re never left without the tools you need. 

Not necessarily. Most policies can be tailored to cover both residential and commercial cleaning jobs. Speak to our knowledgeable insurance team, and we’ll find a policy that fits your business needs.

Your clients trust you to leave their carpets looking fresh and flawless — let Bionic help protect your business while you do it. We’ll compare quotes from trusted insurers to find tailored cover that works for your business, whether you’re handling home carpets or commercial floors.

Start your quote online today or chat with our friendly UK-based insurance team for support.