Working with tools in other people's homes and offices means high liability. Business insurance helps pay legal costs if a client trips on loose linoleum, or sues over damage in their home. It also covers stolen equipment, accidents in your company truck, and employee injuries.
These insurance policies cover the most common risks of floor installation.
This policy covers basic third-party risks, such as accidental damage to a client’s furniture while installing hardwood flooring. It may be required for a commercial lease, loan, or contract.
A business owner's policy, or BOP, is a cost-effective way for floor installers to buy general liability coverage and commercial property insurance together.
Most states require workers' comp insurance for flooring installation businesses that have employees. It also protects sole proprietors from work-related medical bills that health insurance might deny.
This policy provides financial protection in the event of an accident involving your flooring company's vehicle. Each state has its own requirements for auto liability coverage.
This type of coverage helps pay for repair or replacement of a contractor’s flooring nailers, miter saws, and other tools and equipment used at work sites. It's a type of inland marine insurance.
Cyber insurance helps cover the cost of a data breach or cyberattack at your flooring installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.
It's easy to get insurance for flooring contractor businesses if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage that fits your flooring company, whether you're a small business owner, a contractor, or a subcontractor.