Comprehensive
Protection for
Flooring Specialists:
Essential Coverage
for Your Business
Safeguard your flooring business with specialized insurance that addresses the specific needs of flooring professionals. Whether you install hardwood, tile, or carpets, this insurance covers potential risks, ensuring peace of mind for your operations. Tailored to meet industry demands, it allows you to focus on delivering quality results while being protected against accidents and legal claims.
From property damage to on-site injuries, flooring work presents unique risks. This coverage protects you from unforeseen challenges, ensuring confidence as you take on any job site.
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Why Flooring Contractors Need Insurance
Working in flooring involves various risks, from physical injury to accidental property damage. Without sufficient insurance, a single incident could lead to significant financial strain. Flooring insurance is essential for keeping your business safe, offering protection against:
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Common Flooring Contractor Risks
Working as a flooring professional comes with a range of risks. Without the appropriate insurance, one accident could result in substantial financial and legal setbacks. Flooring insurance is crucial for protecting your business, employees, and customers.
- Slip and Fall Incidents: Installation work can lead to slip hazards from unfinished surfaces or scattered materials.
- Tool Injuries: Handling heavy equipment increases the risk of cuts and other injuries.
- Electrical Hazards: When working near electrical outlets or systems, there’s always a risk of shock or fire if precautions aren’t taken.
- Defective Materials: Faulty flooring materials or improper installation may result in significant damage and costly repairs.
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Key Coverage Options for Flooring Contractors
To ensure thorough protection, flooring insurance should cover various facets of your operations. Below are the essential coverage types for contractors:
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General Liability:
This coverage protects your business from legal action due to property damage or personal injury on-site. For example, if a client is injured or your work accidentally damages their property, general liability will cover repair costs and legal fees, safeguarding your business from financial distress.
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Workers’ Compensation:
Due to the physical nature of flooring work, injuries can occur. Workers’ compensation ensures your team’s medical bills and lost wages are covered, protecting your employees and keeping you compliant with legal requirements.
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Equipment Insurance:
Your tools are crucial to your job. Equipment coverage protects your gear from theft, damage, or loss, allowing you to replace or repair them quickly and continue operations without interruption.
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Commercial Auto:
If you use vehicles to transport tools and materials, commercial auto insurance covers damages or theft involving your business vehicle.
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Custom Coverage:
Every flooring business has its own unique requirements. We offer customizable insurance plans tailored to your business’s specific needs, ensuring comprehensive coverage.
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Benefits of Customized Flooring Insurance Solutions
Choosing our flooring insurance means you gain a range of benefits specifically designed to meet the unique challenges of your business:
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Competitive Rates from Leading Providers:
We partner with top insurers to compare plans and find the most cost-effective, comprehensive coverage for your flooring business, wherever you’re located.
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Efficient Claims Processing:
Flooring projects demand smooth, uninterrupted operations. Our insurance partners are known for quick claims resolution, helping you get back to work with minimal delays.
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Flexible Payment Options:
We recognize the financial challenges in the flooring industry. Our plans offer payment flexibility, with both quarterly and annual options to suit your cash flow needs.
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Expert Support and Personalized Coverage:
Our experienced team collaborates with top insurance providers to offer customized advice on coverage options like general liability, workers’ compensation, and property damage insurance. We help you secure a policy that’s just right for your business.
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Nationwide Coverage with Local Expertise:
We provide flooring contractors across the country with insurance plans that meet state-specific requirements, keeping your business compliant and protected.
Flooring Insurance Rates And Coverage
This table displays typical rates and coverage for Flooring General Liability
for $1 Million/$2 Million Policy.
| State | Coverage | Guard | Next Insurance | Liberty Mutual | Shield | Nation Wide | Tokio Marine |
|---|---|---|---|---|---|---|---|
| IL | 1M/2M | $1195 | $820 | $1259 | $1200 | $1230 | $825 |
| IN | 1M/2M | $1110 | $810 | $1115 | $1200 | $1190 | $825 |
| CA | 1M/2M | $1240 | $910 | $1288 | $1206 | $1250 | $1200 |
| PA | 1M/2M | $1125 | $720 | $1150 | $1210 | $1185 | $825 |
| WA | 1M/2M | $1154 | $719 | $1135 | $1250 | $1190 | $900 |
| GA | 1M/2M | $1110 | $715 | $1135 | $1136 | $1150 | $825 |
| CO | 1M/2M | $1110 | $710 | $1117 | $1125 | $1150 | $825 |
| TX | 1M/2M | $1720 | $700 | $1129 | $1223 | $1135 | $800 |
Annual premium above includes unlimited certificates of insurance.
Rating assumes 150,000 gross revenues for flooring/general contracting with 10% subcontractor costs.
Premium are subject to underwriting approval and financing charges may apply.
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Who Is Covered Under My Company’s Flooring Insurance?
Flooring insurance is a form of specialized general liability insurance, which means that third parties are covered and them alone. To ensure that your employees are covered, consult a licensed insurance agent, like the ones at Contractors Liability, to obtain an insurance package that covers both third party and employee insurance.
Contractors Liability is ready to help flooring specialists nationwide to get the best coverage for their company.
What Does Flooring Insurance Cover?
The information below is not an all-encompassing checklist, but it does introduce a complex idea of the types of injuries flooring insurance might cover, as well as examples wrapped within flooring installation scenarios.
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Injuries to the Body:
This refers to any physical damage extended to an unrelated person (a client, a passer-by, or otherwise) that your company is at fault for by failing to prevent it.
Example: A stack of flooring tiles is placed carelessly in harm’s way by one of your employees and a client trips over it, breaking their arm.
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Damages to the Property:
Any damage caused by your company to a third party’s property.
Example: The company van must drive over the back lawn of a residential house to load in the carpet needed for a basement room. However, the van ends up ripping up a significant portion of the lawn with its tires.
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Personal Injury:
Any emotional or reputational injury inflicted upon a third party.
Example: Your flooring job is not done to the client’s satisfaction, and the job itself was done so poorly that it has caused them to lose clientele.
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Advertising Injury:
Any false claim or direct attack made against a third party, such as libel or copyright infringement.
Example: Your company uses a rumor about a rival company to advertise your services. This causes the rival company to lose substantial income and business.
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Medical Payments:
Any medical bills that need to be covered because of a bodily injury that your company is at fault for.
Example: A company van being driven by an employee accidentally hits a pedestrian, causing moderate bodily injury and substantial medical bills for the injured party.
Testimonials from Flooring Professionals
Our flooring insurance solutions have empowered professionals to overcome challenges and protect their businesses when it matters most:
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Frequently Asked Questions
What Isn’t Covered by Flooring Insurance?
No, flooring insurance only provides coverage for damages or issues that occur during your work. Any damage that existed before the project began is generally excluded from coverage.
No, damages that result from intentional actions or negligence are typically not covered. Flooring insurance is designed to protect against accidental damages and liability, not preventable mistakes.
Standard flooring insurance usually doesn’t include coverage for personal tools or equipment unless you add a specific equipment endorsement. It primarily focuses on liability and property damage.
No, regular wear and tear on installed flooring materials, like tiles or hardwood, is typically not covered. Flooring insurance generally focuses on sudden damage and liability, not the natural aging of materials.
No, flooring insurance usually does not cover delays caused by adverse weather or other unexpected circumstances. Its primary role is to provide liability and property damage coverage during work, not to cover delays.
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