When you're out there tearing up old tile, laying down hardwood, or polishing concrete, the last thing you want is some surprise bill or lawsuit hitting your inbox. The risks of operating without flooring contractor business insurance? Yeah, they’re real—and they’re not cheap. One wrong step, literally or legally, and you’re looking at more than just a botched job. We’re talking property damage, injuries, lawsuits, and even your license hanging by a thread.
Let’s say you scratch up a client’s custom cabinets while dragging materials through. Or a client slips on a half-finished laminate floor and breaks an ankle. If you’re uninsured, guess who they’re coming after? That’s right—you. Personally. Your savings, your equipment, maybe even your truck. Worst case, your business takes a nosedive and doesn’t recover.
When you show up with a certificate of insurance, you look like a pro. Bigger clients notice. In fact, insured contractors are 57% more likely to land commercial or high-value residential projects. Not only does it build trust, but a lot of those higher-end gigs actually require it. It’s also just good business. Flooring jobs might start small, but around 1 in 4 turn into high-profit projects, especially with upsells or add-ons.
Let’s break it down.
This is the backbone. It’s your "if-things-go-sideways" coverage.
Each Occurrence: Covers claims per incident—say, a client trips on a power cord.
Damage to Rented Premises: Covers fires or damage in spaces you rent temporarily.
Medical Expenses: For non-employees hurt on the job site.
Personal and Advertising Injury: Say someone accuses you of defamation in your marketing.
General Aggregate: The total coverage for all incidents during the policy term.
Products/Completed Operations: Covers problems that come up after the job is done.
Property damage (like cracking a marble floor slab you just installed)
Bodily injury to third parties
Legal fees tied to covered claims
Completed work issues that result in damage
Your own injuries (you’ll need workers’ comp for that)
Tools and equipment theft or breakdown
Employee disputes
Intentional damage or fraud
Example 1: A contractor miscalculates adhesive placement and warps an entire vinyl install. The client sues for a full floor replacement—insurance covers the costs.
Example 2: While grinding a floor, sparks catch on drop cloths and start a small fire. Damage to a room costs $30,000—GL covers it.
Example 3: A homeowner trips over stacked flooring planks during a walk-through, breaking their wrist. Medical expenses and legal fees? Covered.
A BOP is your general liability plus property insurance in one policy. It’s a solid choice if you’ve got gear, a small office, or a storage space.
Liability protection (same as above)
Property coverage for:
Office or storage damage
Losses from fire, theft, vandalism
BOP Claim Example: Your equipment trailer gets broken into overnight. $12,000 worth of nail guns, saws, and other tools vanish. BOP kicks in to help replace the losses fast so you can get back to work.
Have a crew? You need this. Most states require it, no exceptions.
Covers medical bills and lost wages for employees injured on the job
Helps protect you from being sued by injured staff
Workers’ Comp Claim Example: An installer pulls a muscle moving boxes of ceramic tile. Can’t work for two weeks. Workers’ comp pays for treatment and helps with lost income while they recover.
No insurance? You risk lawsuits with average settlements north of $50,000, and you may not even be able to bid on decent projects. Worse, you could lose your license, deal with personal lawsuits, and see your business reputation go up in smoke. On the flip side, having solid insurance is a big deal—it’s a green light for better gigs and repeat customers.
Flooring contractor insurance costs do vary widely depending on a host of factors that include:
Most flooring installers start with a general liability policy. It is possible to get a general liability policy for as little as $39 per month or $500 each year. To get the most accurate pricing, get a quote. Quotes are always free.
We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.
Why Do Flooring Installers Need Insurance?
Flooring installers need insurance to protect their finances in the event of a loss. General liability protects you if someone says you’re responsible for their injuries or property damage. Without it, you could face the cost of the loss plus any cost of defense that you mount. For many, those costs result in bankruptcy.
What Are The Risks Facing Flooring Installers?
Flooring contractors work with a lot of tools and equipment that can lead to harm. Losses can happen to a bystander, an employee, or the contractor himself. Flooring contractors should have safety protocols in place, but insurance protects you from those unavoidable accidents.
Is Insurance Required For Flooring Installers?
Local laws don’t require most flooring contractors to get insurance. However, general contractors or clients may require flooring installers to have insurance in place. Having insurance is a sign of professionalism and makes flooring contractors more attractive in more job scenarios.
How To Get Flooring Contractor Insurance?
Buying flooring installer insurance doesn’t need to be overwhelming. Start by talking with an insurance agent about what your needs are. The agent will help you identify which are the most critical policies to get. From there, the agent can provide you with quotes, so you know how much it will all cost.
To save money, if your policy has a deductible, consider raising it to reduce the premium. Policies such as commercial auto will go down in price when you select a higher deductible. Just make sure to keep the deductible reasonable – you have to pay it in a claim.
Are Monthly Payments Available For Flooring Contractor Insurance?
We offer easy monthly payment plans with most of the polices. Usually a down payment is required to start. Payment plans may include 9 or 10 monthly options depending on the qualifying business.
What Are The Penalties To Cancel My Insurance Policy?
USA Business Insurance Services doesn’t penalize customers for policy cancellations. When you cancel your Insurance, you are not required to pay penalties.
(888) 900 0205
