Flooring Contractor Insurance

Affordable Protection for Your Floor Installation Business

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Flooring Contractor Insurance That’s Made Just for You

You have the uncanny ability to turn a plain floor into a statement-making masterpiece. With your floor installation skills, you’ve helped clients fall head over heels in love with their floors - and even their homes. It’s those skills that have helped you turn your talent into a thriving flooring installation business.

At Simply Business, we appreciate the hard work it took to build your flooring business - that’s why we want to protect it with customized flooring contractor insurance. Our policies can be purchased online or over the phone in minutes, meaning you can get back to business even faster.

What Insurance Do Flooring Contractors Need?

Flooring contractors spend a lot of time on customer properties, so they’re exposed to risks for property damage, accidents, and even injuries. For example, if a customer decided to sue you because you damaged their living room walls while installing new floors, you’d have to pay for a lawyer and damages from your own funds if you didn’t have insurance coverage.

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General Liability Insurance for Flooring Contractors

General liability insurance — also commonly called commercial general liability (CGL) insurance — can cover costs from third-party accidents and property damage that you or your employees may have caused while doing work. For example, if you accidentally broke a customer’s furniture while installing new floors, your general liability insurance may cover the costs of fixing their furniture.

As an expert in floor installation, it’s safe to say you’re spending most of your time on customer sites. That’s why we recommend carrying general liability insurance, as it can provide you and your business with crucial protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your property
  • Professional services
  • Workers compensation or injury to your employees
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Flooring Contractors

Professional liability insurance provides coverage in the event a customer accuses your flooring business of negligence. More specifically, if your customer decides to sue your business for mistakes related to your floor installation services, your professional liability insurance policy may cover damages and legal costs.

Some flooring installation contractors may find that they need a professional liability policy, in addition to general liability coverage. If you’re not sure what you need, don’t worry: Our licensed insurance agents can help you determine which exact policies you need based on the precise services you provide.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

Workers Compensation Insurance for Flooring Contractors

Whether you have full-time or part-time employees or just work exclusively with subcontractors, you may be legally required to take out a workers compensation insurance policy.

More specifically, if an employee gets sick or injured while working for you, this coverage can provide your floor installation business with financial protection. Most states require businesses to carry this coverage as soon as you hire your first employee, so if this applies to you, be sure to add it to your insurance coverage.

Workers compensation insurance usually covers:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

How Much Does Flooring Contractor Insurance Cost?

While no two flooring installation companies are alike, you can get a good idea for what you may pay for flooring contractor insurance based on:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The specific flooring services you provide
  • And more

Want to find out how much your flooring contractor insurance may cost?

Click here to answer a couple of questions so we can help you learn how much you can expect to pay for your flooring contractor insurance.