Common Claims in Flooring Contractor Businesses and How Insurance Protects
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Flooring contractors do more than install hardwood, tile, or carpet—they handle heavy materials, use expensive tools, and operate in clients’ homes and commercial spaces. While risks exist, what really drives insurance costs are the claims businesses actually file.
Understanding these common claims helps flooring contractors choose the right insurance, avoid coverage gaps, and protect their bottom line.
1. Property Damage Claims
Property damage is one of the most frequently reported claims in flooring businesses. Examples include:
Scratching or denting client floors during installation
Damaging walls, cabinets, or baseboards
Water damage from improperly installed flooring
General liability insurance covers the cost of repairs or replacements and legal defense if a client files a claim.
2. Injury Claims
Worksite injuries are another major source of claims, whether to:
Employees on the job
Clients or visitors at the property
Subcontractors helping with installation
Workers’ compensation insurance covers medical bills and lost wages for employees, while general liability handles claims from third parties.
3. Tool and Equipment Claims
Flooring contractors often rely on specialized, expensive equipment. Claims may occur due to:
Theft from job sites or vehicles
Damage during transport or installation
Accidental breakage
Tools and equipment coverage reimburses the cost of repair or replacement, minimizing business downtime.
4. Vehicle and Transportation Claims
Many flooring businesses use vans or trucks for transporting tools and materials. Common claims include:
Vehicle accidents on the way to or from a job site
Damage to client property during transport
Injuries to third parties
Commercial auto insurance protects your business from liability and repair costs in these situations.
Clients may file claims for:
Delays or missed deadlines
Poor workmanship or installation mistakes
Damage caused by employees during a project
Professional liability (errors and omissions) insurance covers legal costs and settlements, protecting your reputation and finances.
How Insurance Protects Flooring Contractors
By combining different types of insurance, flooring contractors can safeguard their business against common claims:
Claim Type | Insurance Coverage |
Property Damage | General Liability |
Employee Injury | Workers’ Compensation |
Tools & Equipment | Equipment Coverage |
Vehicle Accidents | Commercial Auto |
Workmanship Disputes | Professional Liability |
Why Choose Wexford Insurance
Wexford Insurance specializes in flooring contractor coverage, providing:
Policies tailored to real claims flooring businesses face
Bundled coverage options for maximum protection
Fast, no-obligation quotes online or by phone
Access to multiple carriers for competitive pricing
Conclusion
While risks exist in every flooring business, claims are what really affect finances and reputation. Property damage, injuries, equipment loss, vehicle accidents, and workmanship disputes are the most common. The right insurance package shields your business, minimizes financial risk, and ensures you can keep operating smoothly.
Partnering with Wexford Insurance provides expert guidance, tailored coverage, and fast quotes — so flooring contractors can focus on quality installations instead of worrying about potential claims.
