What Kind of Insurance Do I Need for an Epoxy Flooring Business?

Nate Jones, CPCU, ARM, CLCS, AU
Aug 7
2 min read

Updated: Aug 11

If you're starting or already running an epoxy flooring business, protecting your operation with the right insurance is not just smart it’s essential. Whether you're coating residential garages or large commercial facilities, your work involves chemicals, equipment, and customer property. That means risk exposure is high, and without proper coverage, a single incident could cost you thousands.

At Wexford Insurance, we specialize in helping epoxy flooring contractors get the right insurance coverage tailored to their unique needs. In this guide, we’ll break down the types of insurance you need, why they matter, and how to get started.

Why Epoxy Flooring Contractors Need Specialized Insurance

Epoxy flooring businesses face risks such as:

Chemical spills and property damage
Slip-and-fall accidents
Equipment theft or breakdown
Employee injuries on the job

These risks can lead to lawsuits, downtime, and financial loss. That’s why working with an agency like Wexford Insurance, which understands the construction and surface coating industry, is critical.

Essential Insurance Policies for Epoxy Flooring Businesses

1. General Liability Insurance

This is the foundation of your coverage. It protects against third-party claims for:

Bodily injury (e.g., a customer slips on a freshly coated floor)
Property damage (e.g., epoxy spills on a client’s belongings)
Legal defense costs
📌 What does general liability insurance cover?

2. Workers’ Compensation Insurance

If you have employees, this coverage is often legally required. It covers:

Medical expenses for work-related injuries
Lost wages
Rehabilitation costs
📌 State-by-state workers’ comp requirements

3. Tools & Equipment Insurance

Your grinders, mixers, and sprayers are vital to your business. This policy protects against:

Theft
Accidental damage
Loss during transport

4. Commercial Auto Insurance

If you use vehicles to transport materials or equipment, personal auto insurance won’t cover business-related incidents. Commercial auto insurance is a must.

Why Choose Wexford Insurance?

We’re not just another insurance agency. Wexford Insurance is a niche-focused provider serving contractors in the epoxy flooring and surface coating industry. We understand your risks and offer: