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What is flooring contractor insurance?

Flooring contractor insurance is here to protect you from the everyday risks that come with installing, repairing or refinishing floors. Whether you work with hardwood, tile, carpet or vinyl, things can go wrong, and this insurance helps cover any financial losses that might come up.

If you're a flooring installer, tile contractor, carpet fitter or any kind of flooring specialist, this coverage is a must. Whether you’re running a one-person operation or managing a team, insurance protects you from the unexpected – like accidents, property damage or legal claims.

Even if you’re experienced, mistakes happen. Without coverage, a single mishap could end up costing you thousands. That’s why having flooring contractor insurance is a smart way to safeguard your business.

What flooring contractor insurance includes

A solid flooring contractor insurance plan typically covers:

Recommended add-ons for flooring contractor insurance

You might want extra coverage depending on the size and nature of your business. Some popular add-ons include:

Common types of flooring contractor insurance claims

Here are some common examples of why flooring contractors file insurance claims:

How much does flooring contractor insurance cost?

The price of flooring contractor insurance depends on several factors, like the size of your business, the number of employees, and where you’re located. Generally, solo contractors can expect to pay anywhere from $400 to $1,200 a year for basic coverage. If you run a bigger business or offer more specialized services, the cost might be higher.

A few things that affect your insurance cost include:

How to get the cheapest flooring contractor insurance rates?

Here are some tips to save on your flooring contractor insurance:

Flooring contractor insurance in Canada: What you should know

In Canada, it’s important for flooring contractors to have insurance to meet provincial regulations and protect their business. Depending on the province, there may be specific requirements for general liability insurance, especially for commercial contracts. If you have employees, workers’ compensation insurance is typically required by law.

Insurance not only protects you financially but also gives you peace of mind. It allows you to focus on doing quality work without worrying about what might go wrong.