Business Insurance for Flooring Contractors

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Floor Covering Installation

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Why do floor installation contractors need insurance?

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.

Get same-day insurance

With Insureon, floor and carpet installers can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of insurance do flooring installation businesses need?

These insurance policies cover the most common risks of floor installation.

General liability insurance

This policy covers basic third-party risks, such as accidental damage to a client’s furniture while installing hardwood flooring. Bundle with commercial property insurance for savings in a business owner's policy (BOP).

BEST FOR

Customer bodily injury
Customer property damage
Product liability insurance

Workers’ compensation insurance

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.

BEST FOR

Medical expenses from work-related injuries
Disability benefits
Legal defense costs

Commercial auto insurance

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.

BEST FOR

Property damage from an accident
Medical costs from an accident
Vehicle vandalism and theft

Contractor’s tools and equipment insurance

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.

BEST FOR

Equipment less than five years old
Equipment that travels to job sites
Small tools

Looking for different coverage? See more policies.

How much does insurance cost for installation businesses?

Small business insurance usually costs less for a contractor than a business with several employees.

Factors that affect premiums include:

Installation services offered
Business property and equipment
Business income
Types of insurance purchased
Policy limits and deductibles

View Costs

How do I get flooring contractor 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:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

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.

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant