Business Insurance for Flooring Contractors

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Floor Covering Installation
Person laying down flooring.
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Find the right insurance for floor installation contractors

An accident with a saw or a lawsuit over floor defects could lead to tremendous financial loss for a small flooring company. Safeguard your business with policies that fit your budget and your risks.

Person nailing down floorboards.
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One application, multiple quotes

Insureon helps flooring professionals compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do flooring installation businesses need?

These policies provide coverage for common risks of flooring installation.

General liability insurance icon

General liability insurance

This policy covers basic third-party risks, such as accidental damage to a client’s furniture while installing a carpet. Bundle with property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for flooring installation businesses that have employees. It can cover medical bills for work-related injuries.
  • Employee medical expenses
  • Missed wages
  • Legal costs
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party property damage and injuries caused by company vehicles, as well as vandalism to a flooring company’s utility truck.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a contractor’s flooring nailers, miter saws, and other tools if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do flooring installation businesses need insurance?

From hardwood to carpet installation, your small business faces big risks. If a customer sues over property damage, or a company vehicle is involved in an accident, legal bills could lead to bankruptcy. Flooring contractor insurance can cover attorney's fees, medical bills, and more.

How much does insurance cost for installers?

Installer calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Installation services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Floor Covering Installation