Carpet Cleaning Insurance Cost: Ranges + Calculator
Carpet & upholstery cleaning insurance is built around one fact the generic cleaning policies gloss over: you bring your own expensive portable equipment into other people's homes and offices. General liability answers a client's claim that you damaged their property or that someone slipped on a wet floor — but it does not cover your own machines. Inland marine (tools & equipment) is the coverage that protects your truck-mount extractor, wands and portable units in transit and on the jobsite, and workers' compensation covers a crew doing physical work. Care, custody or control of the carpets and furniture you clean is the exposure underwriters watch.
As an industry-typical estimate, a small carpet-cleaning operation commonly runs roughly $600–$2,000+/year for general liability, with inland marine priced on your equipment value and workers' comp on payroll. No insurance bureau publishes carpet-cleaning premiums, so every dollar here is an estimate; each fact is sourced to a named authority (III, IRMI, NCCI, OSHA). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Carpet cleaning on customers' premises |
| Carpet cleaning plants |
| Carpet cleaning services |
| Cleaning carpets |
| Cleaning plants, carpet and rug |
| Cleaning rugs |
| Cleaning services, carpet and rug |
| Furniture cleaning on customers' premises |
| Furniture cleaning services |
| Rug cleaning plants |
| Rug cleaning services |
| Upholstery cleaning on customers' premises |
| Upholstery cleaning services |
What businesses actually request
Across 47 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| General Liability | 66% |
| Commercial Auto | 44.7% |
| Business Owner's Policy | 25.5% |
| Commercial Property | 14.9% |
| Umbrella Insurance | 10.6% |
| Workers' Compensation | 10.6% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a carpet-cleaning operation typically carries (industry-typical estimates):
- General liability: damage to a client's property and slip-and-fall on a wet floor — the core line most contracts require. III commercial general liability.
- Inland marine (tools & equipment): your truck-mount extractor, wands and portable machines — GL does not cover your own equipment, so this is the trade-defining coverage. IRMI inland marine.
- Workers' compensation: mandatory for employees in nearly every state; cleaning classifications rate on payroll. III workers comp, NCCI Atlas.
- Chemical handling practice: OSHA's hazard-communication rules govern the cleaning agents your crews use. OSHA hazard communication.
Equipment value, crew size and whether you clean residential or commercial premises are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting carpet cleaning operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a carpet cleaning-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Inland Marine Insurance — International Risk Management Institute (IRMI), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024
- NCCI Atlas — Class Codes — National Council on Compensation Insurance (NCCI), 2024
- Hazard Communication — Occupational Safety and Health Administration (OSHA), 2024
- Care, Custody, or Control — International Risk Management Institute (IRMI), 2024