Carpet, Rug, Furniture or Upholstery Cleaning--on Customers' Premises

What Does GL Code 91405 Cover?

ISO GL class code 91405 covers contractors who specialize in cleaning carpets, rugs, furniture, and upholstery directly on their customers' premises. This classification applies to both residential and commercial cleaning operations where the work is performed at the client's location rather than at a dedicated shop. It encompasses the use of steam cleaners, dry cleaning methods, and specialized chemical treatments to remove stains and dirt from various fabrics and floor coverings.

Who Uses This Class Code?

This code is used by mobile carpet cleaning services, residential upholstery cleaners, commercial floor care contractors, and specialized rug cleaning professionals who operate on-site. It also applies to franchise operators and independent contractors providing deep cleaning services for office furniture, drapery, and wall-to-wall carpeting in homes or businesses.

Common GL Claims for This Class

The most common claims involve property damage, such as shrinking or discoloring expensive rugs due to improper chemical use, or water damage to hardwood floors beneath the carpet. Slip-and-fall accidents are also frequent when customers or third parties walk on freshly cleaned, wet surfaces before they have fully dried.

Coverage Tips for Code 91405

• Ensure your policy includes a Care, Custody, or Control (CCC) endorsement, as standard general liability policies often exclude damage to the specific property you are actively working on.
• If you use chemical solvents or specialized cleaning agents, verify that your policy does not have an absolute pollution exclusion that could deny coverage for chemical spills or fumes.
• Since your premium is based on gross receipts, maintain accurate records separating on-site cleaning revenue from any shop-based cleaning or retail sales to ensure accurate audits.
• If you hire independent contractors to handle overflow work during busy seasons, require them to carry their own general liability insurance and name your business as an additional insured.