Hardwood, tile, vinyl, and carpet installers
Flooring contractor insurance for installers and tile setters
Flooring installers work in finished homes and businesses where damaged cabinets, walls, or subfloors can lead to costly claims. Kaufman Insurance Group compares flooring contractor insurance from multiple companies to help you protect your business.
- Liability for damage during and after installs
- Coverage for saws, sanders, and materials
- Certificates for builders, retailers, and homeowners
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare flooring contractor 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 flooring contractor insurance is
Flooring contractor insurance is a group of business policies for installers of hardwood, laminate, vinyl, tile, stone, and carpet. It helps pay if your work injures someone or damages property, and it protects your tools and vehicles.
Flooring claims often involve damage to the rest of the home, such as scratched cabinets, damaged walls, or a floor that fails because of moisture below it. Tile setters working in bathrooms and showers can face water damage claims long after the job. Completed operations coverage helps address claims that arise after your work is done.
Many flooring installers work as subcontractors for builders, flooring retailers, or remodelers. Those customers often require a certificate of insurance and may ask to be listed as additional insureds.
Hard surface flooring
Hardwood, engineered wood, laminate, luxury vinyl, tile, and stone.
Soft flooring and refinishing
Carpet installation and hardwood sanding and refinishing.
Know what you are choosing
Coverages flooring contractor 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, including after the job is done, depending on the policy.
Tools and equipment
Covers saws, sanders, and equipment, and sometimes materials in transit.
Commercial auto
Covers vans and trucks used to haul tools and flooring.
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.
Installation floater
Some policies can cover flooring materials before they are installed, while they are in your care.
Umbrella or excess liability
Adds higher limits for builder or commercial contracts.
Is it right for you
Who we help
We help flooring businesses of many sizes.
Hardwood installers and refinishers
Installation, sanding, and refinishing of wood floors.
Tile and stone setters
Floors, backsplashes, and showers.
Vinyl and laminate installers
Residential and commercial installs.
Subcontract installers
Installers working for retailers, builders, and remodelers.
Installing for a retailer or builder that needs a certificate? An agent can help.
How Kaufman helps
How we help flooring contractor 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 flooring work you do, whether you sand or refinish, whether you work as a subcontractor, 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
Flooring Contractor Insurance questions
What insurance does a flooring contractor need?
Most flooring installers need general liability, and many also need tools coverage, commercial auto, and workers compensation if they have employees.
Are flooring materials covered before installation?
General liability does not cover materials. An installation floater or inland marine coverage may cover materials in your care before they are installed.
Does my policy cover a floor that fails later?
Claims for damage to other property caused by your completed work may be covered under completed operations, depending on the policy. Repairing your own faulty work is often not covered.
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
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Coverage for garage and commercial floor coating installers.
Explore epoxy flooring insuranceRemodeling contractor insurance
Coverage for renovation contractors.
Explore remodeling 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 flooring contractor 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.