Costs and Coverage for Your Flooring Installer Insurance

Wondering about the cost of a flooring installer liability insurance? You’ve come to the right place. Your cost for insurance will be based on a variety of factors, including how big your business is, how many employees you have (if any) and the exact type of work you do for your customers. Costs can be very different between businesses that might look the same, but let’s look at some specifics to give you a sense of the type of expense you might be looking at.

Remember that with Next Insurance, you can pay for your tile and flooring installer insurance monthly at no extra cost, and that we charge absolutely no extra fees-for proof of insurance, or anything else. We also offer you a choice of three levels of coverage, so you can choose the right insurance for your business.

These are just examples of the costs some of our handyman customers pay for their insurance. To find out how much your handyman insurance would cost, get a free quote now, and buy your policy online in just a few minutes.

How Much is Flooring Installation General Liability Insurance?

General liability insurance for flooring installation costs most of our customers between $350-$539 annually, or $29-$45 per month.
General liability insurance for flooring installers can help to protect you from certain kinds of costs. These expenses could include claims related to:

If people other than you or your team are injured
If property is damaged in conjunction with your work
If you’re accused of damaging someone else with either written or spoken words

Having flooring installation general liability insurance could protect you from the cost of paying medical fees if your assistant drops a stone tile on someone’s foot. It also could save you from having to pay to fix a client’s walls if you accidentally scratch them with your tools, or cover damages in case someone sues you for using a photo of their new bathroom tiles in your advertising, without their permission.

General liability is insurance we recommend to most professionals, and it’s especially relevant for contractors such as flooring professionals, who are often working out of their customers’ homes or offices. It can include legal expenses, medical costs, and more.

Most of our customers pay: $350-$539 annually, or between $29-$45 per month

Per occurrence limit: $300,000-$1,000,000, depending on your policy

Aggregate policy limit: $300,000-$2,000,000, depending on your policy

Deductible: $0

How Much is Flooring Installer Professional Liability/Errors and Omissions Insurance?

We offer professional liability insurance for flooring installers as part of our Pro and Pro Plus plans, which are priced from $29/month. Professional liability insurance for flooring installation is different than general liability insurance for flooring installation.

Professional liability insurance relates to cases where you are accused of completing work in an unsatisfactory manner. Even though you always do your best, sometimes you get a client who isn’t satisfied. It could be that they think you didn’t lay the flooring smoothly enough, or that you chose the wrong material for that floor.

These claims mainly require your work to be redone, which means they are often less expensive than general liability claims. As a result, professional liability flooring installation insurance premiums cost less than your flooring installation general liability insurance premiums.

We know that it can be confusing to figure out what insurance a flooring installer needs, and what the difference is between different types of insurance. That’s why we offer a package product that’s tailored to your needs. That way, in case of a claim, you don’t need to worry about technical insurance details; you can simply make your claim and get on your way. It’s one more way we aim to make your life a little bit simpler.

Most of our customers pay: An additional 4-8% for this coverage, which is reflected in the total policy cost

Per occurrence limit: $10,000-$20,000, depending on your policy

Aggregate policy limit: $25,000-$50,000, depending on your policy

Deductible: $500

Choose the Plan that’s Right for You

starting from $29 per month

Basic

General Liability

$300,000 aggregate limit
$0 deductible

Professional Liability

Not included

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Pro

General Liability

$1,000,000 aggregate limit
$0 deductible

Professional Liability

$25,000 aggregate limit
$500 deductible

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Pro Plus

General Liability

$2,000,000 aggregate limit
$0 deductible

Professional Liability

$50,000 aggregate limit
$500 deductible

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What’s Covered by Flooring Installer Insurance?

Bodily injury

Your client trips over a roll of carpet at the worksite and sustains injuries.

Advertising harm

Someone sues you for improper use of images in your advertising.

Libel, slander and defamation

An employee bad-mouths a client on Facebook and the client sues you.

Property damage

While removing your machine from your truck, you misjudge the distance between the machine and the client's car and you scratch the paint.

Medical payments

While removing the old flooring, a shard of tile gets left behind and an independent project manager steps on it, slicing their foot. They ask you to cover the cost of their visit to urgent care.