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Carpet cleaning companies face unique liability exposures due to the mobile nature of their work. Whether operating in residential homes or commercial properties, these businesses are at constant risk for third-party bodily injury, property damage, and other unforeseen liabilities. A single slip-and-fall incident, chemical mishap, or accidental damage to high-value property can result in substantial claims. Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized General Liability Insurance program for Carpet Cleaning Services. Designed specifically for small- to mid-sized cleaning contractors, this program helps protect your insureds from the daily risks they encounter on the job—so they can focus on running their business with peace of mind. Ideal Accounts and Program Appetite This program is an excellent fit for: Commercial carpet cleaning companies Residential carpet cleaning businesses Contractors with less than $1,000,000 in annual payroll You might have a client who operates a small fleet of vans servicing office buildings, or a local residential cleaning company expanding into new neighborhoods—this program is built to support them. Coverage Highlights and Advantages Key coverage options available through this program include: Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Limited Subsidence coverage Coverage for Prior Projects (with limitations) These features help meet the insurance requirements of property managers, commercial landlords, and other third parties your clients work with regularly. Underwriting Notes and Minimum Premiums To submit a risk, please provide: Completed ACORD applications 3 to 5 years of currently valued loss runs Supplemental application Project-specific pollution application (if applicable) Minimum premium starts at $1,500, making this a competitive option for smaller operations looking for quality protection. Territories and Carrier Access This General Liability program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Novatae Risk Group offers access to both admitted and non-admitted markets, using carriers rated as high as A-XV. This flexibility allows for customized solutions based on your client’s risk profile and state-specific requirements. Why Work With Novatae Risk Group? As a wholesale brokerage with deep expertise in contractor and service-based risks, Novatae Risk Group helps agents place challenging and niche accounts with confidence. Our experienced brokers understand the exposures of carpet cleaning businesses and work diligently to provide fast, reliable quotes and coverage recommendations. Have a Carpet Cleaning General Liability risk to place? Call us at 800-758-8113 to speak with a knowledgeable broker, or email your application to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized residential and commercial carpet cleaning businesses with less than $1,000,000 in annual payroll are ideal risks for this program. What coverages are included in the program?The program offers General Liability with options such as Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory, and Per Project Aggregate limits. What underwriting information is required to submit a risk?Required submission documents include ACORD applications, 3–5 years of currently valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Is coverage available in my state?The program is available in over 25 states including CA, FL, TX, GA, and IL. Contact us to confirm availability for your specific state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for smaller carpet cleaning operations. Need help placing an account? Connect with a market specialist.