If you’ve ever had a job go bad, you know the importance of having carpet installer insurance. The last thing you want is to be uninsured when one of your employees gets injured on the job site or for something to go wrong that causes property damage. If you don’t have any form of insurance at all, you and your business will be responsible for repairing the property and for all of the medical bills of anyone injured.
Even though carpet installer liability insurance could end up being a large expense, it is well worth the coverage it provides. If you’re in need of a new policy or are looking to lower your premiums, we may be able to help you.
WHAT CARPET INSTALLER INSURANCE COVERS
The world of carpet installation involves lifting, bending, kneeling down, and doing many other activities that can be very stressful on the back and the knees. That’s why employees are encouraged to use back braces and knee pads at all times. However, even with these precautions, it’s always possible that someone will get injured on the job.
Furthermore, there are environmental issues. You may get a job to install carpets in a building containing asbestos or in which lead-based paint was used. These factors can also cause health issues to your employees. Fortunately, your carpet installer insurance policy will cover any medical costs associated with on-the-job injuries.
Your insurance can also protect you from other issues, including damage to the client’s property because of malfunctioning equipment, any injury that occurs in your office or showroom, and more. As a carpet installer, you will want to be sure your insurance policy includes general liability insurance, workers comp insurance and business auto insurance.
General Liability Insurance
General liability insurance is the main type of insurance policy you’ll need to have. It protects you from a number of things, including work-related accidents, damage to your office and other space you lease or rent, and product liability issues. It’s a necessity for all businesses.
Business Owner Policy (BOP)
A Business Owner Policy may not seem like something you will need to invest in, but if you ever need it, you will be glad you did. This policy, which can often be customized to your needs, protects your business in the event that you have to shut down the entire company for some unforeseen reason, including natural disasters.
Workers Comp Insurance
Workers Comp insurance is a requirement for any business with employees. Basically, it covers your business whenever an employee is injured, gets sick, or even dies while doing something related to work.
Business Auto Insurance
If you have any vehicles used for business, you’ll want a business auto insurance policy. It works just like personal auto coverage, protecting you and your employees in the case of collision and other damage involving your company vehicles.
Need a quote? Contact one of our representatives today for more information about any policy needed by carpet installers.