Flooring Contractor Insurance

flooring contractor insurance

Put Your Best Foot Forward With Flooring Contractor Insurance Options

Whether you use hardwood or vinyl, every project you complete is built on precision and skill. With coverage for accidents, damages and liabilities, flooring insurance solutions let you focus on delivering flawless results.
 
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flooring contractor insurance

Why Do You Need Flooring Contractor Insurance?

Installing flooring can come with unique risks for your business every day. Working with tools and machinery could result in damage to your customers’ property or injuries to your employees. Flooring contractor insurance is made up of different types of business insurance designed to help protect your business from risks you face every day. Common coverages can include:
 
  • Business Owner’s Policy (BOP)
  • Workers’ Compensation
  • General Liability Insurance
  • Cyber Liability Insurance
flooring installers insurance

Who May Need Flooring Installers Insurance?

Many types of flooring contractors can benefit from insurance, such as:
 
  • Flooring installation companies
  • Independent flooring contractors
  • Home renovation specialists
  • Commercial flooring contractors
  • Hardwood flooring businesses
flooring insurance

What Type of Insurance Do I Need for a Flooring Business?

Many flooring companies start with a Business Owner’s Policy (BOP). It helps cover bodily injury and property damage claims that can be common during normal operations.
A BOP combines three essential types of coverage most flooring business owners need into a single policy:
 
 
We know not every flooring business faces the same risks. That’s why we’ve made it easy for small business owners to get other types of insurance to help increase their protection.
 
 

How Much Does Flooring Contractor Insurance Cost?

Not all flooring contractors have the same needs. Likewise, insurers can also use different factors when determining costs, such as location, claims history and coverage details. Here are some of the average costs The Hartford’s small business owners pay for common types of flooring contractor insurance:**
 
  • BOP: $2,867 a year or about $239 a month
  • Stand-alone general liability insurance: $1,819 a year or about $152 a month
  • Workers’ compensation insurance: $2,824 a year or about $235 a month
 
The best way to find out how much flooring contractor insurance will cost you is to get a quote.
insurance for flooring contractors

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Covering Your Operations

We know running a flooring business takes a lot of hard work. From handling customer information to making sure your tools and equipment are in good shape, we know the demands you have and the risks you face. That’s why you need insurance for flooring contractors to help ensure you can keep your business running smoothly.
There are over 450,000 new types of malware detected daily.1
Data Breach Insurance for Flooring Contractors

Data Breach Insurance

"We rely heavily on our digital systems to schedule jobs and track deliveries. When our invoicing software was hacked, we lost access to all our client data."
 
Data breach insurance helps you respond to a breach if personally identifiable information (PII) or personal health information (PHI) gets lost or stolen, whether it’s from a hacker breaking into your network or an employee losing their laptop.
general liability insurance for flooring contractors

General Liability Insurance

“My foreman was ripping up old flooring when he accidentally damaged the baseboards in the room.”
 
General liability insurance can help cover claims that your flooring business caused bodily injury or property damage to others.

Taking Care of Your Team

Your employees are an essential part of the success of your flooring business. Having a business in a physically demanding industry means you’ll want the right type of insurance to help protect your team.
There were more than 2.8 million worker injuries at private businesses in 2022.2
workers' compensation insurance for flooring contractors

Workers’ Compensation Insurance

"One of my installers was cutting a piece of flooring when it kicked back and hit him in the leg. It hit him so hard, he couldn’t walk. He had to take a few weeks off for it to heal.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies. 
commercial auto insurance for flooring contractors

Commercial Auto Insurance

"I was on my way to a jobsite to deliver materials to my crew. The car ahead of me made a sudden stop, and I ended up rear-ending them.”
 
Commercial property insurance helps protect your flooring business on the road if you or your employees use company-owned vehicles for work.

Protecting Your Property

We know you rely on your tools and materials to complete high quality work. Damaged equipment or stolen tools can put a stop to your operations, but commercial property insurance can help repair or replace your equipment, so you can get back up and running.
On-the-job vehicle collisions cost employers $78,418 per injury and $26,081 per crash.3
business income insurance for flooring contractors

Business Income Insurance

"After a fire wiped out our storage shed, we had no tools left to work with. We had projects lined up but couldn't move forward until everything was replaced."
 
Business income insurance can help replace your flooring company’s lost income if you can’t operate because of covered property loss. This insurance can help pay ongoing expenses like rent, payroll and utilities.
commercial property insurance for flooring contractors

Commercial Property Insurance

“We were in the middle of a floor refinishing job when someone stole our materials and equipment.”
 
Commercial property insurance helps protect the owned or rented tools, machinery, materials, inventory and supplies you use to operate your flooring business.

Frequently Asked Questions About Flooring Contractor Insurance

Flooring contractor insurance is made up of different types of insurance coverage designed to help protect your business from various claims. For example, if you accidentally damage a customer’s wall while installing new flooring, general liability insurance can help cover repair costs. Or if a customer sues your business, professional liability insurance can help pay your legal costs, such as attorney fees, judgments or settlements. You can also get certain types of coverage to extend insurance protection to your vehicles to help protect you on the road.
Your flooring business needs insurance because it helps cover the costs associated with property damage and liability claims. Without insurance for flooring contractors, you would have to pay out of pocket for potentially expensive legal claims and damages. In some cases, an employee lawsuit or customer claim could financially devastate a small business. Additionally, certain types of insurance may be required by state law.
The best way to get insurance for your flooring contractor business is to get a quote from The Hartford. We’ve made our process simple, and in just a few minutes, you can receive a free quote for your needs.
flooring contractors insurance

Get Insurance for Flooring Contractors

Get the protection you need to build a solid business.
 
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Last Updated: April 21, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
1 AV-TEST, “Malware Statistics and Trends Report | AV-TEST”
 
2 IIF Home, “Worker Injuries - U.S. Bureau of Labor Statistics”
 
3 Traffic Safety Org, “Cost of Motor Vehicle Crashes to Employers—2019”
 
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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