Epoxy Flooring Contractor Liability Insurance Guide for Installers
- Nate Jones, CPCU, ARM, CLCS, AU
- 5 days ago
- 2 min read
Epoxy flooring contractors face unique risks on every job, from workplace accidents to property damage. Contractor liability insurance is essential to protect your business, employees, and clients. Without it, even minor accidents could result in costly claims or lawsuits.
This guide will cover what epoxy flooring contractor liability insurance entails, why it’s critical, and how installation companies can ensure full protection.
Why Liability Insurance is Critical for Epoxy
Flooring Contractors
Epoxy flooring installation involves chemicals, heavy tools, and working on client properties—risks that general insurance may not fully cover. Liability insurance helps:
Protect against claims of bodily injury or property damage.
Cover legal fees if a client files a lawsuit.
Meet contract requirements for commercial or residential projects.
Provide peace of mind for business owners and employees.
What Epoxy Flooring Contractor Liability Insurance Covers
Liability insurance policies typically include:
General Liability: Covers third-party claims for injury, property damage, or personal injury caused by your business operations.
Professional Liability (Errors & Omissions):Protects against claims of negligence or mistakes in your work, such as poor epoxy application or uneven finishes.
Product Liability: If your epoxy materials cause damage or injury after installation, this coverage protects your business.
Legal Defense Costs: Covers attorney fees and court costs if your business faces a lawsuit.
Note: Standard liability policies may not cover employee injuries—workers’ compensation is separate but equally important.
Factors That Affect Liability Insurance Quotes
Several factors determine your insurance costs:
Business size and revenue – larger businesses generally face higher premiums.
Number of employees – more staff increases risk exposure.
Scope of work – commercial projects may have higher risk than residential jobs.
Claims history – past claims can increase premiums.
Coverage limits and deductibles – higher limits or lower deductibles affect pricing.
Final Thoughts
Liability insurance is essential for epoxy flooring contractors to protect against accidents, property damage, and lawsuits. Proper coverage allows you to work confidently, meet client requirements, and safeguard your business assets.
Take action today and get a customized quote from Wexford Insurance to ensure your epoxy flooring business is fully protected.
