Flooring Contractor Insurance
Flooring Insurance for Flooring & Tile Contractors
General liability, workers comp, tools, and commercial auto for hardwood, LVP, carpet, and tile contractors in Illinois, Iowa, Wisconsin, and Indiana. We shop multiple carriers so you don't have to.
✓ Same-Day COIs · ✓ Residential & Commercial · ✓ Serving IL, IA, WI & IN
Who We Insure
Coverage for Residential and Commercial Flooring
Flooring contractor insurance for installers, refinishers, and tile setters.
Residential Flooring
Coverage for remodels, new homes, and refinishing jobs.
- Hardwood installation and refinishing
- LVP and laminate
- Carpet installation
- Tile and stone
Commercial Flooring
Coverage that meets GC and property manager contract requirements.
- Tenant build-outs
- Commercial carpet and VCT
- Epoxy and floor coatings
- Multifamily unit turnover
One application. Multiple flooring contractor markets.
Compare My Rate →The Problem
Why Flooring Insurance Is Hard to Get Right
Flooring claims often involve the customer's home. These are the gaps we see most.
Customer Property Damage
Scratched cabinets, damaged walls, and ruined finishes during a job are common flooring claims.
Moisture and Floor Failures
Cupping, buckling, and adhesive failures show up months later. Completed operations coverage has to respond.
Finishes and Fire
Stain-soaked rags and finish fumes create fire and injury exposure on refinishing jobs.
Old Flooring Removal
Older tile and mastic can contain asbestos, which most policies exclude.
Tools and Equipment
Sanders, saws, and tools are not covered by general liability.
Contract Requirements
GCs and property managers require additional insured, waiver of subrogation, and primary wording.
Coverage
What We Cover
Flooring contractor coverage built around your work.
General Liability
Bodily injury and property damage from your work, including completed operations.
Workers Comp
Employee injury coverage for installers and helpers.
Same-Day COIs
Certificates with additional insured wording sent the same business day.
Tools & Equipment
Sanders, saws, and tools on the job, in the van, or in storage.
Installation Floater
Flooring and materials in transit and on site until the job is accepted.
Commercial Auto
Vans and trucks used for jobs and material pickups.
Hired & Non-Owned Auto
Liability when you or a helper use a personal vehicle for work.
Contractors Pollution
Dust, fumes, and adhesive-related pollution claims tied to your work.
Umbrella
Extra liability limits for larger contracts.
Work We Insure
Flooring Contractor Insurance for Every Job Type
Flooring insurance quotes for residential and commercial installers across Illinois, Iowa, Wisconsin, and Indiana.
Hardwood Installation
Solid and engineered hardwood installs.
Sanding & Refinishing
Floor sanding, staining, and refinishing.
LVP & Laminate
Luxury vinyl plank and laminate installation.
Carpet Installation
Residential and commercial carpet.
Tile & Stone
Floor tile, stone, and backsplash work.
Epoxy & Floor Coatings
Epoxy, polished concrete, and garage floor coatings.
Pricing
What Affects Flooring Insurance Cost?
Every flooring contractor is rated differently. These are the biggest factors.
Payroll and Revenue
General liability and workers comp are rated largely on revenue and payroll.
Type of Work
Refinishing and epoxy work usually rate higher than carpet and LVP installs.
Subcontracted Work
Subs without their own insurance and certificates increase your rate.
Loss History
Three to five years of clean loss runs open up more carriers and better rates.
Tell us about your flooring work. We shop the markets.
Get My Quote →| Question | Answer |
|---|---|
| How much does flooring contractor insurance cost? | Cost depends on payroll, revenue, type of flooring work, subcontracted costs, and loss history. Contractors with clean loss history get the widest choice of carriers. |
| Does general liability cover a floor that fails after install? | Damage your finished work causes to other property may be covered under completed operations. Replacing your own faulty work is typically excluded. |
| Am I covered if a stain-soaked rag starts a fire? | Fire damage to a customer’s home caused by your work is typically covered under general liability. Proper rag disposal still matters, since a fire claim can affect your rates. |
| What about asbestos in old flooring? | Most policies exclude asbestos. If you remove old tile, sheet vinyl, or mastic, tell us so we can review your coverage. |
| Are my tools covered under general liability? | No. General liability does not cover your own sanders, saws, and tools. You need tools and equipment coverage. |
| What is an installation floater? | An installation floater covers flooring and materials in transit and stored on the job site until the owner accepts the work. |
| How fast can I get a certificate of insurance? | Certificates with additional insured wording are typically sent the same business day. |
| What do I need to get a quote? | Business address, years in business, payroll, revenue, types of flooring you install, residential and commercial split, subcontracted costs, and three to five years of loss runs if available. |
Get Started
Get Your Flooring Quote
One application. 30+ carriers. A licensed agent reviews every quote.