Upholstery & Furniture Cleaning Insurance
Coverage for upholstery and furniture cleaners whose solutions and machines work directly on a customer's sofas, chairs, and fabrics.
What this coverage is intended to address
- ✓Property damage that may arise when a cleaning solution discolors, shrinks, or damages a customer's upholstered furniture
- ✓Slip-and-fall bodily injury that may occur around hoses, equipment, or a damp floor during service
- ✓Extractors, hoses, and cleaning machines used on the job, when scheduled on the policy
Coverage products commonly considered
Most upholstery & furniture cleaning operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A cleaning solution reacts with a delicate fabric and leaves a permanent stain on a customer's couch — general liability is intended to respond in the event of a covered claim.
- A homeowner trips over an extractor hose run across the living room and alleges an injury. An allegation of this kind is generally intended to be addressed under the liability coverage.
Frequently asked questions
What if a cleaning product damages the fabric?
Discoloration, shrinkage, and fabric damage are core upholstery-cleaning exposures. General liability may help respond to resulting third-party property damage, subject to the policy form and any care-custody-control conditions.
Is my extraction equipment included?
Extractors and hoses are typically handled as tools and equipment and may be scheduled on the policy. Limits and eligibility vary by carrier.
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