Commercial insurance options
Or, quote another product
Tile and Flooring Contractor Insurance
Tailored coverage options for your flooring business
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Specialized business insurance for tile and flooring contractors
Flooring professionals tackle many types of jobs, from laying tile in private homes to installing hardwood in commercial high-rises. Tile and flooring contractor insurance helps protect your tools, customers, team, and reputation. The right combination of coverages lets you focus on delivering quality craftsmanship with confidence.
What is tile contractor insurance?
Tile and flooring contractor insurance is a type of business insurance for professionals who install tile, hardwood, laminate, and other materials. It can help manage everyday risks, like workplace injuries, broken equipment, and property damage. Whether you work solo or manage a small crew, the right policy can cover unexpected costs and keep your projects on track.
Start a quote online or speak with Progressive Commercial experts to get insurance for flooring contractors that's built for you.
Why insurance for flooring contractors is important
Every job is a chance to create something exceptional, but craftsmanship comes with a lot of moving parts. A cracked tile, injured employee, or improper acclimation can lead to costly setbacks and unhappy customers. Insurance for flooring contractors helps you handle these surprises without straining your budget, time, and working relationships.
In most states, certain coverages like workers' comp and commercial auto insurance are required if you have employees or use vehicles on the job. But insurance isn't just about compliance, it's also a tool for growth and long-term security.
Clients often want contractors to have liability insurance or other coverages before they start work. Progressive Commercial customers can easily access their certificate of insurance (COI) to prove they have what they need. It's a simple way to show you're doing things the right way.
Who needs tile and flooring contractor insurance?
Both independent tradespeople and specialty flooring companies can benefit from customized insurance. Common professions include:
- Carpet fitters
- Hardwood and laminate installers
- Tile layers
Whether you're an independent contractor working as a sole proprietor, own an LLC with a team of employees, or are starting a new venture, business insurance for flooring contractors can give you peace of mind.
Types of business insurance for floor and tile contractors
Tile and flooring professionals typically need protection for themselves, their equipment, and their employees. Review the most common coverages for flooring contractors to see what fits your business.
General liability (GL)
General liability pays for property damage and injuries to non-employees. It also helps with claims related to advertising injury or completed projects. GL is a common contractual requirement since it shows you can manage unexpected incidents on the job. Learn about the benefits of general liability insurance and how much GL costs.
Example: You're working on a job when a passerby trips on a stack of floorboards piled near the sidewalk, falling and injuring themselves. GL can pay their medical bills, saving you the cost.
Business owners policy (BOP)
A business owners policy (BOP) is a common starting point for small business insurance. This convenient policy combines liability coverage with commercial property insurance for buildings, computers, tools, and other equipment. Optional BOP coverages can be added to your policy for enhanced protection.
Example: Heavy winds knock over a stack of expensive tiles stored in a lot at your headquarters. The commercial property portion of your BOP could pay to replace them.
Commercial auto
Vehicles, like pickup trucks or box trucks, that transport tools and flooring materials need commercial auto insurance. There are different minimum coverage rules for commercial auto in each state, and you can add optional commercial auto coverages to get better protection for your vehicles, drivers, and passengers.
Example: You're driving to a worksite when a deer jumps in front of your truck. You hit the deer and swerve into someone's mailbox. Liability coverage pays to replace the mailbox, and physical damage coverage can cover the repairs to your truck.
Workers' compensation
In most states, businesses with employees need workers' comp. This coverage pays for medical expenses, rehabilitation costs, and lost wages if someone on your team gets hurt or sick because of their job. Some states also require you to extend workers' comp to independent contractors. Learn about the cost of workers' compensation and get information about workers' comp in your state.
Example: An accident with power tools leaves an employee too injured to continue working. Workers' comp can cover their medical bills and a portion of lost wages until they recover.
Professional liability
Professional liability, also called errors and omissions, protects you if a client claims you made a professional mistake or gave bad advice that caused them to lose money.
Example: A customer claims you installed their flooring incorrectly, leading to expensive repairs. Professional liability insurance can help you pay legal fees, settlements, and other costs related to defending your business, whether or not the claim is true.
Inland marine
Inland marine insurance can be added as an endorsement to a BOP or general liability policy. It covers your tools and equipment and flooring supplies if they're lost, damaged, or stolen while being stored on a job site or on the go.
Example: You're storing expensive tools and equipment, tiles, and bags of grout at a job site, and a fire damages your gear. Inland marine can pay to repair or replace these items, even though they aren't at your office or headquarters.
Equipment breakdown
With an equipment breakdown endorsement on your BOP, you'll be covered if the machinery you rely on breaks down. It helps pay to repair or replace your gear so you can get back to work quickly.
Example: Your power tools short out despite being in good condition. Equipment breakdown can pay to repair or replace them. It can also compensate you for lost earnings if you can't work until your tools are fixed.
Coverage that follows you to the job site
Flooring contractors travel with their tools, equipment, and supplies, but their coverage doesn't always tag along. When setting up your insurance, make sure you understand what's covered, where it applies, and when it starts. For example, you might need extra protection for events like earthquakes and wildfires.
How much does business insurance for flooring contractors cost?
The cost of a business insurance policy varies depending on factors like the size of your business and type of installations you do. For example, an independent contractor working alone will have lower premiums than a large company with multiple crews. Insurers calculate business insurance rates by evaluating things like:
- Business location
- Distance traveled to job sites
- Number of employees
- Claims history
- Tools and equipment
The same is true for the cost of commercial auto insurance. Your driving history, the make and model of your vehicle, and how many miles you drive each year will play a role in determining what you pay.
Flooring and tile contractor insurance through Progressive Commercial
For more than five decades, Progressive Commercial has been helping businesses like yours get the protection they need at competitive rates. Our flexible policies and specialty coverages make it easy to get insurance you feel good about. And once you have coverage, our customer assistance means you'll have support when you need it.
Call our team or start an online quote today to get started.
More information
Learn more about business insurance for flooring companies
