How to Get Flooring Contractor Business Insurance for Your Flooring Company
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 3 min read
Running a flooring company comes with physical labor, expensive materials, and jobsite risks. From hardwood and tile installation to commercial flooring projects, having the right flooring contractor business insurance protects your company from costly claims, lawsuits, and unexpected losses.
In this guide, we’ll explain what insurance flooring contractors need, and how to get covered.
Flooring contractor business insurance is a combination of policies designed to protect flooring installers and flooring companies from financial risk. These policies cover property damage, bodily injury, employee injuries, vehicle accidents, and more.
Most clients, general contractors, and commercial property managers require proof of insurance before allowing flooring work to begin.
Why Flooring Companies Need Business Insurance
Flooring contractors face unique risks every day, including:
Damage to customer property during installation
Slips, trips, and falls on job sites
Injuries from tools and heavy materials
Vehicle accidents while transporting flooring supplies
Costly lawsuits from dissatisfied clients
Without proper coverage, even one claim could seriously impact your business.
Essential Insurance Coverage for Flooring Contractors
Covers:
Third-party bodily injury
Property damage
Legal defense costs
If you have employees, workers’ comp is usually required by law. It covers:
Medical bills
Lost wages
Workplace injury claims
Read More about workers’ comp at U.S. Department of Labor
If your flooring company uses vans or trucks to transport tools and materials, commercial auto insurance covers:
Accidents
Vehicle damage
Liability claims
Protects expensive flooring tools, saws, and installation equipment from:
Theft
Damage
Loss
Covers claims related to:
Installation mistakes
Workmanship disputes
Project delays
This is especially valuable for high-end or commercial flooring projects.
How Much Does Flooring Contractor Insurance Cost?
The cost depends on:
Business size and annual revenue
Number of employees
Types of flooring installed (hardwood, tile, epoxy, commercial flooring)
Claims history
Coverage limits
Many small flooring contractors can expect general liability policies starting around a few hundred dollars per year, with additional coverage added as needed.
How to Get Flooring Contractor Business Insurance
Getting insured is easier than you might think:
Gather business info (revenue, payroll, services offered)
Identify required coverage for your state and clients
Compare policy options and pricing
Work with an insurance agency that understands contractors
Why Choose Wexford Insurance for Flooring Contractor Coverage?
Wexford Insurance specializes in small business and contractor insurance, making it the easiest way for flooring companies to get the right coverage. Here’s why flooring contractors trust Wexford:
Contractor Expertise: Wexford knows the specific risks flooring installers face.
Multiple Carriers: Get competitive rates and coverage options.
Customized Coverage: Tailored for your business type, size, and services.
Fast Quotes: Save time with quick, no-obligation online or phone quotes.
Conclusion
Running a flooring business without insurance is like installing hardwood without measuring—it’s risky and costly. Flooring contractor business insurance protects your company, your employees, and your clients. By choosing Wexford Insurance, you get contractor-specific expertise, fast quotes, and peace of mind knowing your business is fully protected.