General vs. Professional Liability Insurance for Epoxy Flooring Contractors
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
Epoxy flooring contractors face unique risks—from chemical exposure to property damage—that can threaten their business. Choosing the right liability insurance is critical. Two main types exist: general liability and professional liability. Understanding the differences ensures your epoxy flooring business is fully protected.
This guide explains both coverage types, how they apply to contractors, and how to safeguard your business.
What is General Liability Insurance?
General liability insurance protects your business against claims from third parties for:
Bodily injury – e.g., a client slips on a wet epoxy floor.
Property damage – e.g., accidental damage to a client’s flooring or furniture.
Personal and advertising injury – e.g., defamation claims from marketing or promotions.
For epoxy flooring contractors, general liability is essential because it covers common accidents and damages that occur on job sites.
What is Professional Liability Insurance?
Also called errors and omissions insurance, professional liability protects against claims arising from professional mistakes or negligence:
Poor epoxy application causing uneven or peeling floors
Failing to meet contract specifications or project deadlines
Advice or recommendations that lead to client dissatisfaction or damage
Professional liability covers financial losses that result from your work, rather than physical injury or property damage.
Key Differences Between General and Professional Liability
Feature | General Liability | Professional Liability |
Covers | Bodily injury, property damage, advertising injury | Negligence, errors, omissions in work performed |
Common Claims | Slip and fall, accidental property damage | Poor workmanship, project errors, client dissatisfaction |
Required? | Often required for all contractors | Recommended for specialized work, like epoxy flooring |
Legal Costs | Included if a lawsuit arises from covered claims | Included for professional errors lawsuits |
For epoxy flooring contractors, both coverages can be important. General liability handles physical risks, while professional liability protects against mistakes or performance issues.
How to Get a Quote for Your Epoxy Flooring Business
Assess Your Risk Exposure – Determine your services, job types, and potential hazards.
Identify Needed Coverage – Decide whether you need general liability, professional liability, or both.
Request a Quote from Wexford Insurance – Wexford specializes in contractor insurance and can tailor coverage for your epoxy flooring business. Get a free quote here.
Compare Policies – Look at limits, deductibles, and optional add-ons.
Maintain Coverage – Keep policies updated as your business grows.
Final Thoughts
Choosing the right liability coverage is crucial for epoxy flooring contractors. General liability protects against physical accidents, while professional liability safeguards against professional errors. Together, they ensure your business is fully protected and your clients are confident in your work.
Start protecting your epoxy flooring business today by getting a customized quote from Wexford Insurance.
