Why Flooring Contractors Need Workers Comp and Business Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Running a flooring contracting business involves physical labor, expensive tools, and client interactions, all of which come with risks. Protecting your business and employees with workers compensation and business insurance is not just smart — it’s essential.
This guide explains why these coverages are critical for flooring contractors and how Wexford Insurance can help you get the right protection quickly.
Flooring contractors regularly deal with:
Heavy materials and tools that can cause injuries
Jobsite accidents like slips, trips, or falls
Vehicle accidents while transporting equipment
Property damage to client homes or businesses
Client disputes or claims of faulty workmanship
Without insurance, even one claim could severely impact your business finances and reputation.
Why Workers’ Compensation is Essential
Workers’ compensation insurance protects your employees if they are injured on the job. Coverage includes:
Medical expenses for injured employees
Lost wages while employees recover
Legal costs if an employee sues
Most states require workers’ comp if you have employees. Even if it’s not required, it is a safety net that keeps both your employees and your business protected.
Find Now more on workers’ compensation at the U.S. Department of Labor
Why Business Insurance is Important
Business insurance for flooring contractors typically includes:
General Liability Insurance: Covers third-party bodily injury and property damage.
Commercial Auto Insurance: Covers work vehicles and drivers.
Tools & Equipment Coverage: Protects expensive installation tools.
Professional Liability (Errors & Omissions): Covers workmanship disputes.
How Wexford Insurance Helps Flooring Contractors
Wexford Insurance specializes in contractor and small business coverage, offering tailored policies that protect both your business and employees. Benefits include:
Expertise in contractor-specific risks
Fast, no-obligation quotes online or by phone
Access to multiple insurance carriers for competitive pricing
Customized coverage for your business size, services, and location
Conclusion
Flooring contractors face daily risks to both employees and business operations. Workers’ compensation and business insurance are critical tools that protect your team, clients, and assets from costly accidents or claims.
Partnering with Wexford Insurance ensures flooring contractors get expert guidance, fast quotes, and policies tailored to their unique risks — giving you confidence to grow your business safely.
