What Does Epoxy Flooring Business Insurance Cover? A Complete Guide
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
Epoxy flooring installation is a specialized service that comes with unique risks. From handling chemical coatings to working with heavy tools, epoxy flooring contractors face potential workplace accidents, property damage, and client liability issues. That’s why having the right business insurance is critical for protecting your company, employees, and clients.
In this guide, we’ll break down what epoxy flooring business insurance covers, and the types of policies you should consider
Why Epoxy Flooring Contractors Need Insurance
Insurance is more than just a safety net—it’s a smart business move. Here’s why epoxy flooring contractors should secure coverage:
Protect your team: Employees may encounter chemical exposure or slip hazards on job sites.
Safeguard your equipment: Tools, machinery, and vehicles represent a significant investment.
Manage liability: Accidents that damage client property or cause injury can result in expensive claims.
Meet project requirements: Many commercial clients require proof of insurance before hiring.
Key Coverage Areas for Epoxy Flooring Business Insurance
Understanding what insurance covers helps you avoid gaps in protection. Common coverage areas include:
Covers third-party claims for bodily injury, property damage, and personal injury. This is the backbone of contractor coverage.
Protects your employees in case of work-related injuries, covering medical expenses and lost wages. Required in most states if you have staff.
Covers tools, equipment, and office or storage spaces from theft, fire, or natural disasters.
Also known as errors and omissions (E&O) insurance, it protects against claims of negligence or mistakes in epoxy flooring services.
Essential if you use vehicles to transport materials or equipment. Covers accidents, vehicle damage, and liability.
6. Additional Optional Coverages
Equipment Breakdown Insurance: Covers repair/replacement of specialized machinery.
Business Interruption Insurance: Protects against lost income if your business must pause due to covered events.
How to Get Coverage for Your Epoxy Flooring Business
Getting insured is simpler than it seems:
Evaluate your risks: Consider your services, tools, and potential hazards on each job site.
Compare insurance providers: Look for companies experienced in contractor insurance and epoxy flooring risks.
Request a quote from Wexford Insurance: Wexford specializes in contractor coverage and can tailor policies for your business. Get your free quote here.
Review and compare policies: Check coverage limits, deductibles, and inclusions.
Purchase and maintain coverage: Ensure policies are updated as your business grows or expands services.
Final Thoughts
Epoxy flooring business insurance is a vital investment for installation contractors. It protects your employees, equipment, and clients while ensuring your business can operate safely and confidently. Don’t wait until an accident or claim happens—secure your coverage today.
Start by getting a free, customized quote from Wexford Insurance and make sure your epoxy flooring business is fully protected.
