Insurance for Flooring Contractors
Coverage that keeps your business on solid ground.
Get comprehensive flooring insurance that covers installation errors, protects your crew, and meets contractor requirements.
Licensed agents who understand flooring contractors deliver fast quotes, instant COIs, and expert support nationwide.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Flooring Insurance Matters
Protect your business from the risks of flooring installation
Flooring installation involves significant property damage risk—from moisture issues that buckle hardwood to improper subfloor prep that causes tiles to crack. A single installation mistake can require complete floor replacement costing tens of thousands of dollars. The right insurance protects your business from claims that could drain your profits.
Most flooring contractors need General Liability to cover installation errors and property damage, Workers' Compensation for employees (required in most states for the heavy lifting and kneeling this work requires), and Commercial Auto for vehicles carrying materials. Completed operations coverage is essential for claims that arise after you've finished a job.
Your rates depend on the types of flooring you install—hardwood, tile, carpet, vinyl, and specialty materials each carry different risk profiles. Subfloor work and moisture barrier installation add complexity. Working with agents who understand flooring contractor classification helps ensure proper coverage at fair rates.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers installation errors, property damage, and completed operations claims.
Workers' Compensation
RequiredRequired for employees. Covers back injuries, knee problems, and cuts common in flooring work.
Commercial Auto
Protects vehicles carrying heavy flooring materials to job sites.
Business Owners Policy
Bundled coverage combining liability, property, and business interruption.
Industry Risks
Common risks you need to protect against
Real risks flooring contractors face
See how the right insurance protects you when things go wrong
Risk
Hardwood flooring you installed six months ago buckles due to moisture issues, requiring complete replacement.
General Liability (Completed Operations)
Pays for floor replacement, subfloor repair, and any legal defense—potentially $20,000-$50,000 in claims.
Risk
Hardwood flooring you installed six months ago buckles due to moisture issues, requiring complete replacement.
General Liability (Completed Operations)
Pays for floor replacement, subfloor repair, and any legal defense—potentially $20,000-$50,000 in claims.
Risk
Your installer develops chronic knee problems after years of kneeling during installations.
Workers' Compensation
Covers medical treatment, physical therapy, and potential disability benefits for repetitive strain injuries.
Risk
Your installer develops chronic knee problems after years of kneeling during installations.
Workers' Compensation
Covers medical treatment, physical therapy, and potential disability benefits for repetitive strain injuries.
Risk
While moving materials, your crew damages a client's custom furniture and wall trim.
General Liability
Pays for furniture repair or replacement and wall trim repairs.
Risk
While moving materials, your crew damages a client's custom furniture and wall trim.
General Liability
Pays for furniture repair or replacement and wall trim repairs.
Why Choose Us
Why flooring contractors choose 1-800-INSURANCE
- Coverage for hardwood, tile, carpet, vinyl, and specialty flooring
- Instant certificates of insurance (COIs) for GCs and commercial clients
- Completed operations coverage for post-installation claims
- Agents who understand flooring contractor classification codes
- Protection against moisture and installation error claims
- Fast quotes for new and experienced flooring businesses
Commercial insurance experts
Essential coverage for flooring contractors
Compare quotes and get the specific policies your flooring business needs
General Liability
Protect against installation errors, property damage, and completed operations claims.
Workers' Compensation
Required coverage for employees. Covers back, knee, and repetitive strain injuries.
Commercial Auto
Coverage for vehicles carrying heavy flooring materials.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Flooring Contractor Insurance FAQs
What insurance do I need as a flooring contractor?
+
Most flooring contractors need General Liability (with completed operations), Workers' Compensation for employees, and Commercial Auto for work vehicles. The specific coverage depends on the types of flooring you install.
Does flooring insurance cover installation mistakes?
+
Yes. General Liability covers property damage from your work, including installation errors. Completed operations coverage protects you if problems develop after you've finished the job.
Are different flooring types insured differently?
+
Your classification and rates may vary based on the flooring types you install. Hardwood, tile, carpet, and specialty materials each have different risk profiles. Tell your agent about all flooring types you work with.
Why do flooring contractors have knee injury claims?
+
Flooring installation requires extensive kneeling, leading to chronic knee problems over time. Workers' comp covers these repetitive strain injuries. Using knee pads and proper ergonomic practices can help reduce claims.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.