We understand the flooring business and the issues faced as a flooring contractor. Whether your specialty is carpeting, wood floors, tile, or other composites, we help you get the most out of your insurance shopping process and we understand exactly which class codes can give you the best protection while saving you money on your general liability policy and your worker’s compensation policy. We offer you years of experience and don’t charge a penny for our time to help you through the complicated process of making sure you have the right protection for your flooring contractor business.
Flooring contractors typically sell and install numerous floor coverings including wood, laminates, carpet, porcelain, and vinyl & ceramic tile. Due to the heavy lifting and nature of the work, knee and back injuries are prevalent. Tearing out flooring and working in older structures also risks exposure to environmental issues. Therefore a good workers’ compensation package is critical component of the flooring contractor’s insurance package.
Property insurance is an important piece of the total flooring contractor’s insurance package. Often, flooring contractors operate their businesses from a store front which may serve a dual purpose; a showroom to display the stock, and a warehouse to store the inventory. Property insurance will protect the hard assets of the business like furnishings and equipment whether leased or owned. Ask your agent for specific options for covering tools needed to conduct your flooring contractor’s business. Check on plate glass and signage coverage if you have a store front. In addition, loss of use insurance, also know as loss of income should be discussed and added if necessary.
General liability insurance covers against claims from the operations of the business, after a job is completed, liability for customer injury or damages in the showroom or warehouse, and personal & advertising injury.
As a flooring contractor, your expertise is designing, costing, and installing flooring. Let us design, cost, and help you install your flooring insurance package.