Installing floors in homes and offices often comes with high liability. The right business insurance coverage will help handle legal costs if a client trips on loose materials, or sues over damage in their home. It also covers stolen equipment, accidents in your company truck, and employee injuries.
TechInsurance connects you with a licensed insurance agent who knows the flooring installer insurance industry and can help you find the right insurance package. Get quotes from top insurance companies to match your unique risks with our easy online application.
Clients, contracts, or state laws may require insurance for flooring installers. These insurance coverages defend small business owners against common lawsuits and other top risks.
A general liability insurance policy protects flooring professionals against legal expenses related to client property damage and injuries. It's often required by commercial leases and contracts.
A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of business insurance for flooring businesses.
Most states require companies with employees to carry workers' comp to help cover medical expenses and lawsuits from workplace injuries. In some states, sole proprietors who work in construction must have this policy.
Floor installers with business-owned vehicles must carry commercial auto coverage to comply with state laws. It helps cover financial losses in an accident, including legal costs and property repairs.
A type of inland marine insurance, business tools and equipment insurance protects your equipment wherever you bring them, whether they're with you in transit to the next job site, or stored off-site.
Cyber insurance helps your company recover from a data breach or cyberattack. It's strongly recommended for any business that stores credit card numbers, customer addresses, or other personal information.
Here's a quick look at the average costs of common flooring contractor insurance policies purchased by TechInsurance customers:
General liability: $63 per month
Business owner's policy: $109 per month
Workers' compensation: $193 per month
Factors that can influence a construction contractor's premium include:
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Get insurance fast so you can get started working with clients. Fill out our easy online application, choose a policy, and pay online to start coverage today.
Gain client confidenceInsurance shows clients your business is reliable, and some contracts even require it. View and print your certificate of insurance anytime with TechInsurance.
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Coverage like general liability insurance or workers' compensation insurance provides crucial financial protection against common risks and work-related injuries, but they don't cover all perils a flooring professional may face.
Floor installation businesses, including sole proprietors and independent contractors, should also consider the following types of coverage:
Builder's risk insurance protects flooring installers and other construction contractors who are working at a structure under construction, along with their materials. It's sometimes called course of construction insurance.
Professional liability insurance safeguards your flooring business from client lawsuits over errors, mistakes, or negligence they claim negatively impacted them. This policy is also called errors and omissions (E&O) insurance.
Commercial umbrella insurance boosts the coverage of your general liability, commercial auto, and employer's liability insurance once the policy limit is reached.
Products-completed operations coverage provides protection against lawsuits alleging your completed flooring service damaged a client's property or caused them an injury.
Many states don't require a license for flooring installers, however local governments at the county or city level might have their own requirements.
Even when not required, pursuing certifications or a business license can be extremely beneficial to a flooring installation contractor's business.
Being a licensed flooring contractor can help you stand out from the competition, gain client trust, and acquire contracts for larger jobs.
Having a license or certifications shows you've mastered the skills to perform the installation competently and do a good job.
Because a standard commercial property insurance policy doesn't cover items brought to job sites, your flooring contracting business will likely need installation floater insurance.
This policy provides coverage for flooring materials and products—such as tiles, laminate, carpet, hardwood flooring, and nails—during the installation process. It also protects them while they're in transit to the job site or while being temporarily stored off-site.
Installation floater coverage can help pay for repair or replacement of the materials if they're damaged by vandalism, fire, or a storm. This type of inland marine coverage provides crucial protection for installers who work at their clients' homes, offices, and construction sites.
