Do I Need a License or Certification to Operate a Flooring Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 10
- 2 min read
Starting a flooring contractor business is exciting—but before you begin installing hardwood, tile, epoxy, or luxury vinyl plank, you need to know what’s legally required to operate. Many new business owners ask: Do I need a license or certification to start flooring contractor business?
The answer isn’t always straightforward. While some regions require formal licensing, others focus more on business registration, insurance, and compliance. In this blog, we’ll break down what you really need to get started, how to stay compliant, and how to build trust with clients and commercial partners.
What Does “Licensed” Really Mean in Flooring?
Being “licensed” can refer to several things:
A business license to legally operate in your city or county
A contractor license for construction-related work
A specialty trade license for flooring installation (in some regions)
Permits for specific projects, especially commercial or structural jobs
In many cases, flooring contractors don’t need a trade-specific license—but they do need to be registered as a business and follow local building codes.
Certifications That Build Credibility
Even if not required, certifications can help you win more jobs and stand out from competitors. Consider:
EPA Lead-Safe Certification – Required for work in homes built before 1978
Manufacturer Training – Many flooring brands offer training on proper installation
OSHA Safety Training – Boosts professionalism and safety awareness
ICRI Certification – For contractors working with concrete polishing or repair
Compliance Without the Confusion
Instead of chasing licenses you may not need, focus on what is required:
Register your business with your local government
Get a tax ID and sales tax permit if selling materials
Follow building codes and inspection requirements
Maintain proper insurance coverage to meet client and contractor expectations
Why Insurance Is Non-Negotiable
Even if your region doesn’t require a flooring license, insurance is often mandatory—especially for commercial jobs or subcontracting. It’s also one of the first things clients ask for when hiring a contractor.
At Wexford Insurance, we specialize in flooring contractor insurance designed for businesses that install and service:
Hardwood
Tile
Epoxy
Carpet
Luxury Vinyl Plank
Granite Flooring
Polishing Services
Our coverage includes:
General Liability Insurance – Protects against property damage or injury claims
Commercial Auto Insurance – Covers your work vehicles
Commercial Property Insurance – Protects your office, warehouse, or equipment
Workers Compensation Insurance – Required if you have employees
Equipment Insurance – Covers tools and machinery from theft or damage
Final Thoughts
Licensing and certification can feel confusing—but don’t let it stop you from launching your flooring business. Focus on registering your business, staying compliant with local regulations, and protecting your operations with the right insurance.
Certifications and training can help you stand out, but what matters most is being professional, insured, and ready to deliver quality work.
