Carpet Cleaning Insurance

Underwritten by Zurich Insurance Company Ltd.
Rated Excellent by tradespeople on Trustpilot
Save 10% with B&Q TradePoint
Freeze your insurance price for two years (Classic & Plus policies - T&Cs apply)
Over 40 years’ experience in trades insurance
Expert UK telephone support

What is Carpet Cleaning insurance?

Carpet cleaning insurance is designed to protect your business against everyday risks associated with cleaning carpets in homes and commercial properties. It covers incidents like accidental damage, injury to third parties, and the theft or damage of essential cleaning equipment.

Types of work covered include:

Domestic carpet cleaning
Commercial carpet cleaning
Upholstery and flooring cleaning

Why Carpet Cleaners need insurance

Even a careful carpet cleaner can face unexpected incidents:

A client trips over a vacuum cord and injures themselves
A spill of cleaning solution damages furniture or flooring
Tools or equipment are damaged during transport or on-site

Carpet cleaning insurance helps protect your business from financial loss while giving clients confidence in your professionalism. Public liability insurance is often requested by clients or trade associations before work begins.

What does Carpet Cleaner insurance cover?

Know exactly what to expect from your business insurance for carpet cleaning.

What’s covered

✔ Public Liability Insurance covers injury to third parties and damage to client property.

✔ Tools and Equipment Insurance covers the theft or accidental damage of vacuums, hoses, brushes, and other essential cleaning tools. Coverage can be extended up to £15,000.

✔ Professional Indemnity Insurance protects against claims for financial loss due to incorrect professional advice.

✔ Legal Defence Costs covers legal fees in case of claims.

✔ Temporary Total Disablement Benefit (Plus policies) provides weekly compensation if you can’t work due to an injury.

What’s not covered

✘ Deliberate damage or unsafe work

✘ General wear and tear of tools and equipment

✘ Work outside declared activities (e.g., large-scale commercial cleaning not specified)

✘ Employee injuries (unless Employers’ Liability cover is added)

Get a quote

Who we cover

Sole traders, partnerships, and limited companies in the carpet cleaning industry
Individuals and businesses working across residential and commercial carpet cleaning jobs
Businesses with turnover up to £3 million

Choose your level of Carpet Cleaning insurance cover

Choose the level of Carpet Cleaner insurance that fits your cleaning business and the risks you face:

Essentials

Our Carpet Cleaner’s Essentials package includes Public Liability insurance and cover for Third Party Financial Loss.

Ideal for: Sole traders and Carpet Cleaning businesses of up to 15 employees who need core cover.

Public Liability insurance up to £5 million
Third Party Financial Loss £100,000
Employers' Liability insurance (£10 million available)

Classic

Our Classic Carpet Cleaning insurance package builds on the Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.

Also includes: Price Freeze (2 years, T&Cs apply)

Public Liability insurance up to £5 million
Professional Indemnity cover £100,000
Third Party Financial Loss cover £100,000
Capital Death Benefit
First £1,000 of Tools cover (up to £15,000)
Employers' Liability insurance (£10 million available)

Plus

Our most comprehensive option, the Carpet Cleaner’s Plus package builds on the Classic by further adding Temporary Total Disablement Benefit, which can be increased based on your needs.

Also includes: Price Freeze (2 years, T&Cs apply)

Includes all Classic cover
Temporary Total Disablement Benefit (up to £600 a week per person)
Option to increase Tools cover
Employers' Liability insurance (£10 million available)

Optional Extras for Carpet Cleaners

Looking for extra insurances for your building work? We have a list of optional extras to give you the cover you need:

Contract Works
Stock in Transit cover
Owned Plant
Hired in Plant
Jury Service cover

Fixed Price, Fixed Peace of Mind

Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.

Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.

Why choose Trade Direct for Carpet Cleaning insurance?

✔ Specialist cover designed for carpet cleaners

✔ Over 40 years of experience in trades insurance

✔ Trusted cover underwritten by Zurich Insurance Co Ltd.

✔ Flexible cover options for small businesses

✔ 10% B&Q TradePoint discount

✔ UK-based expert support

Carpet Cleaning insurance cost

The cost of carpet cleaning insurance can vary depending on several factors linked to your business:

Type of work (residential vs commercial projects)
Business size (solo cleaner vs a team of employees)
Level of cover chosen (Essentials, Classic, or Plus)
Number of employees
Claims history

These factors can affect your premium, so the only way to get an accurate picture of your individual cost is to get a tailored quote online. This ensures your cover reflects your work, team size, and the specific risks facing your carpet cleaning business.