Carpet Cleaning Insurance
We can arrange public liability insurance to cover your carpet cleaning business to protect your customers and business if things go wrong.
Carpet Cleaning Insurance
We can arrange public liability insurance to cover your carpet cleaning business to protect your customers and business if things go wrong.
Carpet Cleaning Insurance That Works For You
Our carpet cleaning insurance includes public liability in the event of bodily injury or third party’s property damage while carrying out activities on customers' premises. This protects you and your business should a member of the public hold you responsible for negligence. This excludes damage to actual property being worked upon.
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Enhanced Cover For Carpet Cleaners
Enhanced cover to include accidental damage to the carpets themselves whilst you are working on them is also available. Please contact our team on 0344 892 1664 or commercialnb.riskline@towergate.co.uk, who can arrange this for you.
About Carpet Cleaning Insurance
Carpet cleaning cover and other trades available
You can also add multiple trades or professions to your policy.
Selection of cover limits
Cover limits available include £1m, £2m, £5m or £10m, to suit your specific requirements.
Includes legal defence costs
Carpet cleaning insurance includes protection for legal defence costs, including any compensation you are required to pay.
Pay for your carpet cleaning insurance by Direct Debit
You can choose to spread your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.
Features of Carpet Cleaning Insurance
Standard cover
Carpet cleaning insurance with public liability cover
Our carpet cleaners insurance includes public liability cover.
Employers' liability insurance for carpet cleaners
We can provide cover for permanent and self-employed cleaners. It is important that you declare how your workforce are employed as this will impact how risks are calculated.
Choice of carpet cleaning insurance extras
We can help arrange a tailored carpet cleaning insurance policy to suit your specific requirements. Our advisors will be happy to help find you the most suitable cover for your carpet cleaning business, including liability limits and any equipment protection you may need.
If you are seeking damage to carpets being worked up on
Public liability cover from £1-10 million
Typically, our clients request cover from between £1-10 million for any one event, but higher limits are available if needed. We suggest minimum levels of at least £2 million to cope with potential major personal injury claims that can arise. Consider the locations, values and types of property where you work and also contracts for any insurance conditions. If you’re unsure how much cover you need, speak to one of our expert advisers about your carpet cleaning business and they’ll be able to help you get the right cover.
Carpet Cleaning Insurance FAQs
![Question]( "Question")
Can you provide liability cover wherever I work?
Can you provide liability cover wherever I work?
Our policies are suitable for UK-based cleaning businesses who work on both domestic and commercial properties. We do not cover public liability and employers liability sections arising out of work undertaken in hospitals.
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Are labour-only sub-contractors and agency staff covered in the same way that direct PAYE staff are under the employers' liability policy?
Are labour-only sub-contractors and agency staff covered in the same way that direct PAYE staff are under the employers' liability policy?
Yes, all types of employee can be covered for the same risks.
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Do you cover cleaning work in domestic and non-domestic and hazardous locations?
Do you cover cleaning work in domestic and non-domestic and hazardous locations?
Yes, cover can be tailored to your needs. We can offer cleaners and cleaning insurance policies for domestic properties only; domestic properties plus shops and offices; and domestic and commercial properties with additional cover for hazardous locations added on to suit your requirements.
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I sell a small amount of cleaning products. I do not make or re-brand these, I just sell them. Can this be included in the cover?
I sell a small amount of cleaning products. I do not make or re-brand these, I just sell them. Can this be included in the cover?
Yes it can. We can extend cover to include products liability for goods supplied and if you have a warehouse/ trade counter then we can cover the stock and your general contents for accidental damage, flood and other perils. Goods in transit to cover loss or damage whilst to transit is another option. Ask us for details.
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Can I pay in instalments?
Can I pay in instalments?
To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.
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Where can I find more information about monthly Direct Debit?
Where can I find more information about monthly Direct Debit?
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
![Question]( "Question")
Are there any exclusions?
Are there any exclusions?
We have provided a summary of the key features of the policy above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
How do I make a claim?
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
Find your insurance documents
and make sure you have all your information at hand, including your policy number
Call the claims team
on 0344 892 1384 and explain exactly what happened
Provide photos if requested
to help us understand what happened as quickly as we can
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*20% of all new business customers buying annual tradesperson liability insurance online paid an average of £7.57 per month over 10 monthly instalments, (including premium, insurance premium tax, admin fee and interest) during the year ending 1 September 2022. For comparison only: prices vary according to your circumstances and the type and level of cover you choose. Full details of terms and conditions are provided with your quotation.