Understanding insurance costs is critical for carpet cleaning and upholstery cleaning contractors across the United States. ContractorNerd’s proprietary quote platform connects you with contractor-friendly insurers who understand your industry’s specific risks. Our tech-enabled team of specialized agents has analyzed over 200 carpet cleaning insurance quotes from top insurers, revealing significant variations in general liability premiums based on location, business size, and risk factors.
In this comprehensive guide, you’ll discover:
- Premium benchmarks for 11 states across three business revenue levels
- How insurance costs scale as a percentage of annual revenue
- Premium variations between favorable and higher-end rates
- State-by-state cost comparisons to support business planning decisions
The rates presented in this analysis reflect specific business characteristics that insurers use to assess risk and determine premiums. For businesses with $50,000 in annual revenue, our data assumes one owner-operator with no employees, generating $50,000 in gross revenues with less than 10% subcontractor costs. This represents the typical solo carpet cleaning operation starting out in the industry.
Businesses with $150,000 in annual revenue reflect a growing operation with one owner and one employee, generating $150,000 in gross revenues with 10% subcontractor costs. These established businesses typically demonstrate proven safety records and more sophisticated operational procedures.
For operations with $500,000 in annual revenue, our analysis assumes one owner managing approximately three employees, generating $500,000 in gross revenues with 10% subcontractor costs. These established businesses maintain comprehensive safety protocols, documented training programs, and often hold industry certifications.
Before examining state-specific costs, understanding the comprehensive coverage options available through carpet cleaning insurance helps you make informed decisions about which policies align with your operational needs and budget.
Get your personalized carpet cleaning insurance quotes today through ContractorNerd’s streamlined platform. Our specialized team is ready to connect you with insurers who understand your specific operational needs.
Jump to State
Arizona
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Arizona, with premium ranges from 0.4% to 3.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $890 | $630 | $1,850 | 29% |
| $150,000 | $2,030 | $1,160 | $4,320 | 43% |
| $500,000 | $5,540 | $2,180 | $11,570 | 61% |
California
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in California, with premium ranges from 1.5% to 4.9% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,750 | $1,300 | $2,460 | 26% |
| $150,000 | $3,930 | $2,600 | $5,780 | 34% |
| $500,000 | $11,880 | $7,720 | $17,220 | 35% |
Florida
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Florida, with premium ranges from 1.0% to 3.5% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,130 | $740 | $1,750 | 35% |
| $150,000 | $2,950 | $2,520 | $3,670 | 15% |
| $500,000 | $8,340 | $4,940 | $10,950 | 41% |
Illinois
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Illinois, with premium ranges from 0.6% to 7.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,250 | $1,550 | $3,830 | 31% |
| $150,000 | $5,080 | $1,480 | $9,310 | 71% |
| $500,000 | $13,910 | $2,790 | $22,840 | 80% |
Massachusetts
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Massachusetts, with premium ranges from 0.5% to 3.9% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,180 | $760 | $1,960 | 36% |
| $150,000 | $2,850 | $1,390 | $4,500 | 51% |
| $500,000 | $7,940 | $2,570 | $11,490 | 68% |
Michigan
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Michigan, with premium ranges from 0.8% to 4.3% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $980 | $500 | $2,150 | 49% |
| $150,000 | $2,270 | $1,440 | $3,800 | 37% |
| $500,000 | $6,550 | $4,190 | $10,220 | 36% |
North Carolina
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in North Carolina, with premium ranges from 0.4% to 3.4% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $790 | $500 | $1,720 | 37% |
| $150,000 | $1,630 | $880 | $3,650 | 46% |
| $500,000 | $4,560 | $2,220 | $8,590 | 51% |
Pennsylvania
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Pennsylvania, with premium ranges from 0.7% to 3.4% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,040 | $500 | $1,710 | 52% |
| $150,000 | $3,050 | $1,290 | $4,210 | 58% |
| $500,000 | $10,220 | $3,510 | $14,110 | 66% |
Texas
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Texas, with premium ranges from 0.7% to 5.0% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,090 | $670 | $2,500 | 39% |
| $150,000 | $2,440 | $1,610 | $4,870 | 34% |
| $500,000 | $6,640 | $3,630 | $11,340 | 45% |
Virginia
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Virginia, with premium ranges from 0.4% to 2.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $680 | $500 | $1,360 | 26% |
| $150,000 | $1,420 | $1,080 | $2,170 | 24% |
| $500,000 | $3,820 | $1,950 | $5,880 | 49% |
Washington
The following table shows general liability insurance premiums for $1 million per occurrence and $2 million aggregate coverage limits in Washington, with premium ranges from 0.4% to 3.7% of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $990 | $500 | $1,860 | 49% |
| $150,000 | $2,230 | $1,420 | $3,270 | 37% |
| $500,000 | $6,390 | $1,940 | $7,540 | 70% |
Secure Your Coverage Today
This state-by-state analysis provides carpet cleaning contractors with essential benchmarking data to evaluate insurance quotes and understand market pricing across different locations. The data reveals premium variations from 15% to 80% between favorable and higher-end rates, with costs ranging from as low as 0.4% of annual revenue in Virginia to as high as 7.7% in Illinois.
Navigating this complex insurance landscape requires industry expertise and access to the right carriers. ContractorNerd’s proprietary quote platform streamlines this process by connecting carpet cleaning contractors with contractor-friendly insurers who actively write policies for your industry. Our tech-enabled team of specialized agents understands the unique risks of carpet cleaning operations and can efficiently match your business with appropriate coverage options.
Whether you’re a solo operator just starting out or an established business with multiple employees, understanding these cost benchmarks positions you to make informed insurance decisions that align with your operational needs and budget requirements.Get your personalized carpet cleaning insurance quotes today. Let ContractorNerd’s specialized platform and expert agents connect you with insurers who understand your business and offer competitive coverage options.