Flooring Insurance

Whether you run a large company or are an independent flooring contractor, it’s critical to protect your business with Flooring Insurance.

Join thousands of Contractors that are already protected!

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Zen Man - Flooring Contractor

What is Flooring Insurance?

Flooring Insurance is an insurance policy package specially designed for flooring contractors to protect against the specific risks and liabilities associated working on a job site.

Mistakes can happen, and lawsuits against your company can be damaging. We know what makes your flooring business unique, leave it to us to find the best insurance policy for you.


What does Flooring Insurance cover?

There are just as many risks that your business could face for every different flooring materials available to work with. It is essential to have insurance covering all of the potential liabilities that you or employees may encounter.

A comprehensive Flooring Insurance package will typically include the following:

  • General Liability Insurance: covers for costs associated with common flooring liability risks, such as third-party injuries or property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Pollution Liability Insurancecovers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.
  • Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.
  • Commercial Property Insurance: covers for physical loss or damage to your property (rented or owned) and its physical contents due to an external disaster, such as a fire, theft, or vandalism

Who needs Flooring Insurance?

Regardless of the flooring services provided (residential or commercial), there will still be risks of third-party injuries and property damage.

Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:


How much does Flooring Insurance cost?

The cost of insurance for a small flooring business working on residential projects typically starts at around $450 for a General Liability Insurance policy with a $2M coverage limit.

There are several factors considered when determining a price for a Flooring Insurance policy package, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

Complete our 5-minute online application form for a free Flooring Insurance quote.

Common scenarios where Flooring Insurance is useful

Broken Garage

Problem: You were called to install a new carpet in a client’s home. As you moved the equipment into the house, you accidentally backed the van too far into the garage causing property damage.

Outcome:  Your General Liability Insurance policy would cover the $15,000 cost of property damages.

Luxury white gold marble

Problem: Your supply of costly marble tiles was vandalized, causing you to forego an upcoming flooring project for a client.

Outcome: Your Tools and Equipment Insurance policy would cover the $200,000 value of damaged equipment

Laminate floor in living room

Problem: Your client got severely ill after you used contaminated glue to install new laminate floors in their living room.

Outcome: Your Pollution Liability Insurance policy covers the $70,000 lawsuit over bodily injury and property damage resulting from the pollution incident.

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Getting business insurance shouldn’t be complicated!

At Zensurance, we simplify the process of getting insurance so that you get the coverage you need, quick and easy!

Our friendly support team is always ready to answer questions, we’re just a click or a phone call away.