Flooring Installer and Contractor Insurance

Floor Covering Installation
Person laying down flooring.
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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.

Contractor installing floorboards in a home.
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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 icon

General liability insurance

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.

  • Customer bodily injuries
  • Customer property damage
  • Product liability insurance
Business owner’s policy icon

Business owner's policy

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.

  • Accidental damage to a customer's property
  • Customer injuries
  • Business property damage
Workers’ compensation insurance icon

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.

  • Medical expenses from work injuries
  • Disability benefits
  • Legal defense costs
Commercial auto insurance icon

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.

  • Property damage from an accident
  • Medical costs from an accident
  • Vehicle vandalism and theft
Contractor’s tools and equipment coverage icon

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.

  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
Cyber liability icon

Cyber 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.

  • Data breach notification costs
  • Fraud monitoring services
  • Cyber incident investigations
Looking for different coverage? See more policies.

How much does insurance cost for installation businesses?

Installation professional calculating insurance costs for their business.

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
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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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

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