Common Claims in the Epoxy Flooring Industry and How Insurance Protects You
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
Epoxy flooring contractors face unique risks on every project, from chemical handling to client property damage. Without proper insurance, even a minor incident can result in significant financial loss.
Understanding the most common claims in the epoxy flooring industry and how insurance protects your business is essential for installation contractors. In this guide, we’ll review typical claims, and the coverage you need.
Most Common Claims in the Epoxy Flooring Industry
Wet or freshly applied epoxy surfaces can be slippery. If a client, employee, or visitor slips, your business could face claims for medical expenses or legal liability.
2. Property Damage
Accidental spills, stains, or damage to client furniture and floors are common claims. Even minor mistakes can lead to costly repairs or replacement.
3. Work-Related Injuries
Employees handling heavy equipment or chemical products can suffer injuries like burns, chemical exposure, or sprains. These claims are usually covered under workers’ compensation insurance.
4. Poor Workmanship or Errors
Clients may claim unsatisfactory results, peeling floors, or uneven finishes. Professional liability insurance protects against negligence or errors in your work.
5. Equipment Theft or Damage
Tools and specialized epoxy flooring equipment are expensive. Theft, fire, or accidental damage can disrupt operations and result in financial loss.
How Insurance Protects Epoxy Flooring Contractors
Having the right insurance ensures that common claims don’t devastate your business. Key coverage includes:
General Liability – protects against client injuries or property damage
Workers’ Compensation – covers employee injuries
Commercial Property – protects tools, equipment, and office/storage space
Professional Liability – covers errors or negligence claims
Commercial Auto – required if using vehicles for business purposes
Note: Combining multiple coverage types into one policy may reduce costs and simplify claims management.
How to Get Insurance for Your Epoxy Flooring Business
Evaluate Your Risks – Identify common hazards, employee tasks, and equipment used.
Determine Required Coverage – Choose the insurance types that protect against the claims you’re most likely to face.
Request a Quote from Wexford Insurance – Wexford specializes in contractor insurance and can provide customized coverage. Get a free quote here.
Compare Policies – Review limits, deductibles, and optional coverage add-ons.
Maintain Your Policy – Update your coverage as your business grows or adds new services.
Final Thoughts
Epoxy flooring contractors face a variety of common claims, from slip-and-fall accidents to poor workmanship disputes. Proper insurance coverage safeguards your business, protects your employees, and ensures client trust.
Start today by getting a customized quote from Wexford Insurance to protect your epoxy flooring business.
