Garage and commercial floor coatings
Epoxy flooring insurance for floor coating installers
Epoxy and floor coating installers grind concrete, work with chemical coatings, and often finish floors in garages, basements, and commercial spaces. Kaufman Insurance Group compares epoxy flooring insurance from multiple companies to help you protect your business.
- Liability for coating and prep work
- Coverage for grinders, vacuums, and trailers
- Certificates for homeowners and commercial customers
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare epoxy flooring insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What epoxy flooring insurance is
Epoxy flooring insurance is a group of business policies for contractors who install epoxy, polyaspartic, urethane, and other floor coatings, and who grind or polish concrete. It helps pay if your work injures someone or damages property, and it protects your equipment.
Floor coating work has its own risks. Coatings can give off fumes while they cure, grinding creates dust, and a coating that fails or peels can lead to a customer complaint or claim. Slip and fall claims can also come up on finished floors, especially in commercial spaces.
Some insurance companies ask detailed questions about the products you use and whether you work in homes, commercial buildings, or both. Some policies also include pollution-related exclusions, which can matter for chemical coatings. We review these details with you.
Residential coatings
Garage floors, basements, and patios for homeowners.
Commercial coatings
Shops, warehouses, showrooms, and kitchens.
Know what you are choosing
Coverages epoxy flooring businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage your work causes, depending on the policy and any exclusions.
Tools and equipment
Covers grinders, dust collectors, and other equipment on jobs and in transit.
Commercial auto
Covers trucks, vans, and trailers used to haul equipment.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Contractors pollution liability
Optional coverage for certain claims tied to fumes or chemical releases that general liability may exclude.
Umbrella or excess liability
Adds higher limits for commercial contracts.
Is it right for you
Who we help
We help coating contractors of many sizes.
Garage floor coating companies
Residential flake and metallic systems.
Commercial coating contractors
Industrial and commercial floor systems.
Concrete polishing businesses
Grinding and polishing concrete floors.
Flooring companies adding coatings
Installers who offer coatings along with other flooring.
Working with chemical coatings? Ask an agent about pollution exclusions and options.
How Kaufman helps
How we help epoxy flooring businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the coating systems you install, residential or commercial work, your equipment, your crew, and your vehicles.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Epoxy Flooring Insurance questions
What insurance does an epoxy flooring contractor need?
Most need general liability, tools and equipment coverage, and commercial auto. Workers compensation is needed if you have employees, and some contractors add pollution liability.
Does general liability cover fume or chemical claims?
Many general liability policies include pollution exclusions that may limit coverage for fumes or chemical releases. Contractors pollution liability can help fill that gap.
Is a failed coating covered?
Repairing your own faulty work is often not covered. Damage your work causes to other property may be covered under completed operations, depending on the policy.
Does general liability cover my tools?
No. General liability covers injuries and damage to other people and their property. Your own tools and equipment need separate coverage, often called inland marine or tools and equipment coverage.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Flooring contractor insurance
Coverage for hardwood, tile, vinyl, and carpet installers.
Explore flooring insurancePressure washing insurance
Coverage for exterior cleaning businesses.
Explore pressure washing insuranceGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a epoxy flooring insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.