Protect Your Epoxy & Surface Coating Business
Specialized general liability, chemical VOC liability, surface preparation coverage, and floor grinder floaters tailored for residential and commercial epoxy flooring installers. Compare top trade carriers side-by-side.
Tailored Insurance Built for Epoxy & Coating Installers
Epoxy floor coating contractors navigate high-risk exposures daily: diamond concrete grinding dust, heavy acid etching chemicals, strong volatile organic compound (VOC) fumes, coating adhesion failures, and thermal shock risks. Standard painter or general flooring policies frequently contain exclusions for chemical fumes or property under your direct care.
We build policies designed specifically for resinous flooring contractors, polyaspartic installers, and surface prep crews. Secure commercial warehouse contracts, residential garage upgrades, and industrial floor installs while obtaining instant digital Certificates of Insurance (COIs).
Essential Policies for Epoxy Coating Contractors
Protect your high-value shot blasters, planetary grinders, install crews, and finished flooring projects.
Epoxy General Liability
Protects your business against third-party property damage and bodily injury claims—such as slip-and-fall incidents on newly coated surfaces or accidental chemical splatters.
Care, Custody & Control Endorsement
Crucial coverage that protects the client’s original concrete floor or underlying structure while you perform surface prep, shot blasting, grinding, or coating work.
Contractors Pollution Liability (CPL)
Shields against third-party bodily injury or environmental clean-up claims resulting from chemical fumes, solvent off-gassing, acid etching runoff, or epoxy resin spills.
Equipment & Heavy Tool Floater
Inland Marine protection for high-end planetary grinders, dust extractors, shot blasters, generator units, and mixing stations carried in your trailers or trucks.
Commercial Auto & Fleet Insurance
Coverage for work vans, heavy duty pickup trucks, and enclosed trailers used to transport equipment, flammable resins, hardeners, and aggregates to jobsites.
Workers’ Compensation Insurance
Protects prep technicians and applicators against silica dust inhalation, repetitive motion injuries, chemical skin burns, and heavy lifting strains.
Specialized Coating Disciplines We Insure
Tailored coverage for residential garage coaters, commercial decorative resin specialists, and heavy industrial applicators.
Epoxy Flooring Insurance FAQs
How much does epoxy floor contractor insurance cost?
General liability for solo epoxy applicators typically starts between $45 and $85 per month. Premiums depend on annual revenue, commercial vs. residential work mix, payroll, and value of covered equipment floaters.
Does general liability cover coating failure or peeling epoxy?
General liability covers physical property damage or injury caused by your work, but not product warranty or installation workmanship errors alone. However, if delamination causes a third-party trip-and-fall injury, your General Liability will defend and cover the claim.
Why do I need Pollution Liability for epoxy installations?
Many standard policies contain broad pollution exclusions that restrict claims caused by chemical odors, VOC fumes, acid etching wash off, or solvent spills. Pollution Liability closes this gap to cover toxic vapor or runoff claims.
Are floor grinders, vacuums, and shot blasters covered if stolen from my trailer?
Commercial Auto and standard General Liability do not automatically cover stolen tools. You need an Inland Marine (Contractor’s Equipment Floater) to insure planetary grinders, dust collectors, and power generators against theft or transit damage.
How fast can I get a Certificate of Insurance (COI) for commercial job sites?
Instantly. As soon as your policy is bound, you can access your portal 24/7 to issue unlimited digital COIs with custom Additional Insured certificates required by general contractors or facility managers.
Does insurance cover silica dust damage during concrete grinding?
Dry grinding produces heavy concrete dust that can settle on nearby property or HVAC systems. We configure your policy with appropriate property damage and pollution endorsements to protect against airborne dust claims.
What is “Care, Custody, and Control” coverage in resinous flooring?
Standard general liability excludes property in your direct physical care while working on it. Care, Custody & Control (CCC) coverage helps pay for structural concrete or subfloor damage caused during aggressive surface prep or deep grinding operations.
Protect Your Epoxy Flooring Business Today
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