Carpet Cleaners Insurance

Q: Why choose Premierline to arrange carpet cleaners insurance?

We have many years of experience arranging car valeting liability insurance so we’ve really got to know the covers that businesses like yours need the most. We are here to make sure that you have the covers you need to protect you against the risks you face on a daily basis. You can protect your business online in just a few minutes if you know your insurnace requirements, or if you need some advice call us to get a car valeting insurance quote today.

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Running a business can be time-consuming and tough. Whether you’re a one-man band or employing a team, you need hassle free carpet cleaners insurance that’s quick and easy to arrange.

No matter how experienced you are and how careful you may be, accidents happen when you least expect them. Having comprehensive insurance can give you peace of mind to work without worry. That’s where we come in.

We make arranging your insurance simple and hassle-free by comparing covers and prices from some of the UK’s leading insurers. We understand the exposures you face and the covers you need most. If you know what you’re looking for you can protect your business online in a matter of minutes. If your needs are more complex or you would like some advice, our friendly team of experts are on hand to make recommendations that are tailored to you. Don’t leave anything to chance. Protect your carpet cleaning business today.

Being self-employed has its advantages. You’re your own boss with the freedom to fit work around family life and other commitments. But all these benefits bring great responsibility, to your clients, your staff and for your own peace of mind.

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If you know the covers you require, it's quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.

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Carpet cleaners insurance cover in detail

What is carpet cleaners insurance?

Carpet cleaners insurance is made to cover the work that carpet cleaners carry out each day. You may be working alone, or hire people to help out; so whatever your needs, we can arrange the right carpet cleaners cover for you.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability for carpet cleaners

Working with chemicals in other people’s houses, up and down stairs comes with its risks. Simply tripping over a cable or knocking something over could result in a customer claiming compensation against you.

Public liability insurance typically protects your business against claims for accidental damage to property as well as third-party injury. You never know what is around the corner and compensation awarded for injury claims can escalate quickly. By including public liability cover in your carpet cleaners insurance you can be confident that if someone did hurt themselves as a result of you working, their medical expenses, compensation and legal costs can be taken care of.

Employers' liability cover

Employers' liability cover can protect your staff in similar circumstances. As a carpet cleaning contractor, you and your staff could be exposed to hazardous chemicals that can damage your skin or even get into your eyes. Employers' liability can protect your staff from these accidents, and settle any damages awarded as a result of an accident at work. If you work alone or as a sole trader, you may wish to consider personal accident cover. This offers a weekly benefit to tide you over if you are injured at work.

Personal accident cover

So working for yourself can be advantageous, but what happens if you have an accident that leaves you unable to work? How would you pay the bills without a regular income, and how long could you realistically afford to be off for?

Personal accident cover typically provides a weekly income to support you in these circumstances. This could be a blanket cover or have various levels of cover available; either way, this protection could help tide you over until you’re able to return to work. Typically this can be added to your carpet cleaners insurance package to offer financial protection should you be involved in an accident or be signed off due to illness.

Tools, plant & equipment cover

Carpet cleaning machines can be costly bits of kit. You may have a range of machines or operate on a solo basis meaning you’re reliant on one main appliance. Whatever the structure of your business, you should consider how you would continue to help your customers without your equipment. What would you do if they were lost, damaged or stolen? Do you have a backup or would you need replacements pronto? By including the right level of tool cover in your carpet cleaners insurance package, you can ensure minimal disruption to your day-to-day activities should something go wrong.

Legal protection for carpet cleaners

While some insurers will include this as standard, others will offer this cover as an optional extra. Legal expenses will generally cover a number of defined events, such as employment disputes, tax and VAT appeals to name a few. Legal cover could be invaluable if you are unexpectedly taken to court in relation to your business and can protect your financial exposure to costly litigation.

Commercial vehicle insurance

A commercial vehicle or van could be a crucial part of your carpet cleaning business; whether it’s for transporting specialist equipment and products, or even just getting to and from your clients, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for carpet cleaning contractors.

Carpenters insurance FAQs

Do I need carpet cleaners insurance?

Without the right carpet cleaners insurance in place you could be exposed to compensation claims against you if something goes wrong. Could you cover the cost of replacing a carpet? How would you cope if an employee had an accident that left them unable to work? Carpet cleaners insurance can leave you safe in the knowledge that should something happen, you’re covered.

What covers do carpet cleaners need?

At Premierline, we offer carpet cleaners insurance that can be as simple or comprehensive as you require depending on your business. When thinking about what insurance and covers you need to protect your business, you should consider the following:

Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
Employers' liability – to protect your employees against accidents at work and any damages awarded as a result.
Personal accident cover - to tide you over in the event that you injured yourself at work.
Tools & plant - to protect your tools, equipment, and plant.
Buildings cover – to cover for loss or damage to your business premises.
Contents and stock – to reinstate your items and belongings.
Business interruption – to keep finances running when disaster strikes.
Contract works - designed to cover work that’s underway on a construction site.
Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
Commercial vehicle cover - if you use a vehicle or a van for business.

More information

How much does carpet cleaners insurance cost?

The cost of carpet cleaners insurance depends on a range of factors including the size of your business, and the level of cover that you require. Get a new quote online or contact one of our business insurance specialists to find out how much your carpet cleaners insurance might cost to protect yourself and your business from unforeseen circumstances.

Why choose Premierline to arrange carpet cleaners insurance?

Whatever your carpet cleaning insurance requirements, we are here to help you find the right cover at the right price to give you peace of mind. We understand the time pressures of running a business which is why we’ve taken the hassle out of arranging your carpet cleaners insurance.

If you know the covers you need you can protect your business online in a matter of minutes. If your needs are slightly more complex or you need some advice, our team of expert advisors are on hand to help and give professional recommendations tailored to you.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Contractor Insurance Experts

We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

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Speak to a carpet cleaners insurance expert

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a carpet cleaners insurance quote today.