Why this class matters to Coterie

Carpet and Upholstery Cleaning Services ranks #100 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For carpet and upholstery cleaners, common claims include wet-floor slips at client homes, furniture damage and chemical stains. Customers spend time in your space or let you into theirs, so injury and property damage claims are the main concern.

GL and BOP, explained

General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

A BOP covers equipment, supplies and business income in one policy. A business owner’s policy combines liability, property and business income in one policy.

Before you quote

Janitorial and cleaning businesses fit Coterie’s appetite. Vehicle detailing over half of operations is excluded. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals. Home-based and newer businesses are welcome.

The Coterie experience

Instead of waiting days on paperwork, you get an online quote, bind in minutes and instant certificates when a client or landlord asks. Every policy includes Manage My Risk, with free OSHA updates, safety checklists and a personalized risk plan.

All coverage is subject to underwriting and availability.

Start now: Get your Coterie quote

Want a second opinion? Call America Insurance Brokers and we’ll review your options together.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama carpet and upholstery cleaning services.