What Insurance Coverage Do You Need as a Flooring Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Running a flooring business involves managing equipment, handling heavy materials, and working on client properties. Without proper flooring contractor insurance, your business can be exposed to costly claims, lawsuits, and property damage.
This guide will break down the insurance coverage every flooring contractor needs, why it’s important, and how you can easily get a tailored quote from Wexford Insurance.
Why Flooring Contractors Need Insurance
Flooring contractors face unique risks that make insurance essential, including:
Accidental damage to a client’s property during installation
Injuries to employees or third parties
Vehicle accidents while transporting tools and materials
Disputes over workmanship or project delays
Having the right coverage ensures your business is protected from financial losses and legal complications.
Essential Insurance Coverage for Flooring Contractors
Here are the main policies flooring contractors should consider:
Covers:
Third-party bodily injury
Property damage
Legal defense costs
Most clients and general contractors require proof of general liability insurance before hiring a flooring business.
Required in most states if you have employees, this coverage protects your team against:
Medical expenses from workplace injuries
Lost wages
Legal claims related to employee injuries
Find Now more about workers’ compensation: U.S. Department of Labor
If your flooring business uses trucks or vans, commercial auto insurance protects you from:
Vehicle accidents
Liability claims
Repair or replacement costs
Protects expensive flooring tools, saws, and machinery against:
Theft
Damage
Loss
Also called Errors & Omissions coverage, it helps protect your business from:
Claims of faulty workmanship
Project delays or mistakes
Disputes with clients
This coverage is especially important for high-end or commercial flooring projects.
How to Get Flooring Contractor Insurance
Getting insurance doesn’t have to be complicated:
Collect your business information (revenue, payroll, services offered)
Determine required coverage for your state and clients
Compare policies and rates
Work with an agency specializing in contractor insurance
Why Choose Wexford Insurance?
Wexford Insurance specializes in helping flooring contractors get the right coverage fast. Here’s why you should work with them:
Expertise in contractor insurance: Understands the unique risks flooring businesses face
Multiple insurance carriers: Ensures competitive pricing
Tailored coverage: Policies designed for your business needs
Fast, no-obligation quotes: Easy online or phone application
Conclusion
Running a flooring business without the right insurance is risky. Protecting your employees, tools, vehicles, and clients ensures your business can thrive even when accidents happen. By choosing Wexford Insurance, you gain access to contractor-focused expertise, multiple carriers, and fast, tailored quotes—giving you the confidence to grow your flooring business safely.
