How Much Does Carpet Cleaning Insurance Cost? 2026 Rates

In 2025, U.S. carpet cleaning businesses can expect to pay between $600 and $840 annually for comprehensive business insurance, averaging $50 to $70 per month. The primary cost drivers are business size, location, services offered, number of employees, claims history, and coverage limits.

How Much Does Carpet Cleaning Insurance Cost?

On average, a carpet cleaning business in the U.S. pays $600 to $840 a year for full business insurance. This is only a rough estimate, your actual cost may be higher or lower depending on your business. 

Running a carpet cleaning business comes with its own set of risks, from handling expensive equipment, visiting customers’ homes, and sometimes working in tricky situations. Insurance is essential to protect your business from accidents, or unexpected problems. Business insurance rates are an important consideration to protect your carpet cleaning business. 

Here are some of the biggest cost drivers:

• Number of employees (affects workers’ comp and liability)
• Property size and value (affects commercial property coverage)
• Past claims history (insurers charge more if you’ve filed claims)
• Business interruption coverage and other add-ons

Being aware of these factors makes it easier to estimate your insurance needs and budget for the true cost of protecting your carpet cleaning business. 

Average Carpet Cleaning Insurance Costs For Coverage Types

Insurance for a carpet cleaning business isn’t one-size-fits-all. There are different policies and each type of policy protects your business in different ways and comes with its own price. Here’s a closer look at the major coverages most carpet cleaning businesses need.

• General liability insurance: $50 per month
• Business owner’s policy: $71 per month
• Janitorial bonds: $11 per month
• Workers’ compensation insurance: $129 per month
• Commercial auto insurance: $177 per month

General Liability Insurance

The average cost of general liability insurance for a carpet cleaning business is about $50 per month.

General liability is a must-have for carpet cleaning business. It protects your business if someone gets hurt or their property is damaged while you are working. 

For example, if you’re cleaning a carpet at a client’s home and accidentally spill a cleaning solution that damages their hardwood floor, this policy would help pay for the repair costs and any legal fees if the client sues.

Several factors impact the cost of general liability insurance, such as the size of your business, the number of clients you serve, your location, your history of insurance claims, and the types of services you offer. 

Policy limits: $1 million per occurrence and $2 million aggregate.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums for carpet cleaning businesses sourced from both national and regional insurance providers. Figures reflect typical coverage limits for small-to-medium operations with standard risk profiles. Actual premiums will vary depending on business size, location, claims history, number of employees, and coverage specifics

Business Owner’s Policy (BOP)

The average cost of a business owner’s policy (BOP) is about $71 per month for a carpet cleaning business.

A business owner’s policy is an insurance package that combines several types of coverage into one plan. For a carpet cleaning business, it usually includes general liability insurance, business interruption insurance, and commercial property insurance. 

For example, if a fire breaks out in your storage unit and damages your carpet cleaning machines and supplies, the BOP would help cover the cost to repair or replace them.

Policy limits: $1 million per occurrence and $2 million aggregate.

The cost depends on things like the value of your property, how much money your business makes, the risk in your area, and any extra coverage you choose. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average Business Owner’s Policy (BOP) premiums for carpet cleaning businesses, combining general liability and commercial property coverage. Pricing considers industry-specific risks such as equipment damage, customer property liability, and mobile service operations. Actual premiums will vary depending on business size, location, coverage limits, property value, and claims history.

Janitorial Bonds

The average cost of a Janitorial Bond is about $11 per month for a carpet cleaning business.

Janitorial bonds, also known as surety bonds, are a type of financial protection that reimburses clients if an employee of your carpet cleaning business steals from them while on the job.

The cost of a surety bond depends on how much coverage you need, because you only pay a small percentage of the total bond amount.

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average annual premiums for janitorial bonds tailored to carpet cleaning businesses, factoring in quotes from both small and large insurance agencies. Rates reflect typical bonding needs for residential and commercial cleaning contracts. Actual premiums will vary depending on business size, location, number of employees, and claims history

Workers’ Compensation Insurance

The average cost of workers’ compensation insurance for a carpet cleaning business is around $129 per month.

Workers’ comp insurance helps protect your employees if they get hurt or sick while working. For example, if a carpet cleaning employee hurts their back while lifting heavy equipment, workers’ compensation would help pay for their doctor visits, treatment, and some of their lost income while they recover.

Several factors impact the cost, these include the size of your payroll, the type of work employees perform, your claims history, and any implemented safety programs.

Each state sets rules for policy limits, but workers compensation usually covers medical bills and part of employee’s lost wages, often without a fixed maximum amount. 

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates are based on average Workers’ Compensation premiums for carpet cleaning businesses, incorporating state-specific base rates, employee classifications, and payroll ranges typical of both solo operators and larger multi-van cleaning services. Actual premiums will vary depending on your business’s size, claims history, number of employees, and insurer underwriting practices.

Commercial Auto Insurance

The average cost of commercial auto insurance for a carpet cleaning business is about $177 per month.

If your carpet cleaning business uses vehicles, like trucks or vans, for work, you need commercial auto insurance. This insurance helps protect your vehicles in case of accidents, theft, or damage. 

For example, if you’re driving your carpet cleaning van to a job site and get into an accident, this policy would help cover the repair costs for your van and any damage or injuries caused to others. 

The cost of commercial auto insurance is impacted by several factors such as, the number of vehicles, driving record, how far and often they’re driven, and the type of vehicles used.

Most workers compensation policies also include employer’s liability insurance, which protects your business if an employee sues you over a work injury.  

Here’s a look at the average annual premiums for 10 different states:

Note: These estimates reflect average annual premiums for carpet cleaning businesses operating service vans, trucks, or utility vehicles used for client visits and equipment transport. Rates are based on blended data from small and large agencies, factoring in regional risk exposure, driving patterns, and liability coverage norms. Actual premiums will vary depending on business location, fleet size, claims history, and insurer underwriting criteria.

Carpet Cleaning Business Insurance Costs By Provider

Carpet cleaning business insurance costs will vary greatly depending on the insurance carrier. Use the table below to find average costs across different providers.

Note: These estimates are based on average annual premiums for carpet cleaning businesses, considering both small and large agencies. Pricing reflects typical coverage bundles including general liability, workers’ comp, and commercial auto where applicable. Actual premiums will vary depending on location, number of employees, claims history, and coverage limits

What Factors Impact Your Carpet Cleaning Insurance Costs?

The cost of insurance for your carpet cleaning business can vary depending on several factors. Understanding these factors can help you estimate your costs and make sure you get the right protection for your business. Let’s take a closer look at what influences your insurance rates. 

Type Of Carpet Cleaning Services

Different cleaning services carry different levels of risk, and the more specialized or complex the service, the higher the potential for claims or accidents. Insurance companies consider the services you provide when determining your rates because certain tasks might require more coverage to protect against injuries, or other risks. 

Geographic Location

Areas with higher crime rates, high population, or frequent natural disasters may have higher risks, which can lead to higher insurance rates. The location also impacts things like cost of labor, equipment, and even the risk of accidents, all of which are considered by the insurance companies when setting your rates. 

Business Size

Large businesses with more employees, customers and equipment typically pay more because there are more risks involved. The bigger your business, the higher the chance of accidents or claims, so insurance rates are usually higher. 

Equipment And Property Value

If you have expensive machines, tools, or a large facility, your insurance will likely cost more because it would be more expensive to repair or replace those items if something happens. The higher the value of your equipment and property, the more coverage you’ll need, which can increase your premiums. 

Policy Limits And Deductibles

Higher policy limits provide more protection but also make your premiums higher. If you choose a higher deductible, your monthly costs will be lower, but you’ll have to pay more out-of-pocket if something goes wrong.

How To Lower Your Carpet Cleaning Insurance Costs

Running a carpet cleaning business means you need the right insurance, but it doesn’t have to be expensive. There are simple steps you can take to lower your insurance costs. 

1. Policy Bundles

One way to lower your carpet cleaning insurance costs is by bundling different types of coverage together in a package. In this case, you can combine general liability with workers compensation insurance. Insurance companies often offer discounts for bundles, so you end up paying less. 

2. Choose The Right Coverage

Make sure you get the right types of insurance for your carpet cleaning business. Only pay for the coverage you really need, so you don’t waste money on things that aren’t necessary for your business.

3. Pay Annually Instead Of Monthly

Paying your insurance premium once a year is usually cheaper than paying monthly. Many insurance companies offer a discount if you choose to pay for the whole year upfront. 

4. Compare Rates

Before buying insurance, get quotes from different companies. Comparing rates can help you find the best deal and make sure you’re not overpaying for your coverage. 

5. Review And Adjust Your Coverage

Check your insurance regularly to make sure it still fits your needs. If your business changes, like getting more equipment, or employees, adjust your coverage to keep it up-to-date. This can help you avoid paying for unnecessary coverage.