Specialized insurance protection for flooring installers, refinishers, and floor covering specialists. From hardwood and laminate to tile, carpet, and epoxy coatings, we provide comprehensive coverage that protects your business, your crew, and your tools on every installation.
Flooring contractors face unique risks on every job—from accidental damage to existing surfaces and subfloors to slip-and-fall injuries and costly material waste. Working in occupied homes and businesses with expensive furnishings, combined with the use of adhesives, stains, and power tools, creates exposures that require specialized insurance solutions.
First Underwriters has been protecting flooring contractors throughout the Pacific Northwest for over 30 years. We understand your work—from hardwood installation and refinishing to tile, carpet, LVP, and commercial epoxy—and we build coverage programs that protect your business on every project.
Comprehensive protection designed for the unique exposures of flooring installation and refinishing
Protects against third-party bodily injury and property damage. Covers incidents like damaging a customer's furniture, scratching walls during installation, or slip-and-fall injuries on your work site.
Coverage for work vans, trucks, and vehicles used to transport crews, materials, and equipment. Includes protection for tools and flooring samples stored in your vehicles.
Covers floor sanders, nailers, saws, tile cutters, carpet stretchers, and specialized tools. Protection against theft, damage, and breakdown whether on the job or in your vehicle.
Required coverage for employee injuries. Flooring work involves repetitive kneeling, heavy lifting, and power tool operation—protect your crew from strains, cuts, and knee injuries.
Protects against claims arising after a job is finished. Covers issues like floors buckling months later, tiles cracking, or someone slipping on a surface you installed or refinished.
Covers flooring materials while in transit or stored at a job site. Protects expensive hardwood, tile, or specialty materials from theft, water damage, or accidental destruction before installation.
From residential hardwood installers to commercial flooring specialists, we have coverage for every type of flooring operation
Solid and engineered wood flooring
Ceramic, porcelain, and natural stone
Residential and commercial carpet
Luxury vinyl and laminate flooring
Sanding, staining, and finishing
Office, retail, and institutional
Garage, industrial, and decorative
Solo installers and small crews
Whether you're installing residential hardwood or commercial VCT, we tailor coverage to match your specific operations. Our policies can include specialized endorsements for dust and fume exposures, care/custody/control of customer property, and high-value material installations.
Get comprehensive flooring contractor insurance tailored to your operations and budget.
Request a Quote OnlineWe specialize in contractor insurance and understand the unique exposures flooring professionals face—from dust damage to defective workmanship claims.
Access to multiple insurance markets means competitive rates and coverage options—even for new contractors or those with claims history.
General contractors and property managers need COIs fast. We provide same-day certificates so you never lose a job waiting on paperwork.
When claims happen, we're in your corner. Our team helps you navigate the process efficiently, protecting your reputation and getting you back to work.
Common questions about flooring contractor insurance
Costs depend on your annual revenue, types of flooring installed, number of employees, and claims history. A small residential installer might pay $2,000-$4,500 annually for general liability, while larger commercial operations could pay $8,000-$18,000+. Refinishing operations often have higher rates due to dust and fire risks. We provide free quotes tailored to your specific situation.
This is covered under your general liability policy as property damage to a third party. Whether you nick a baseboard, scratch furniture while moving it, or damage walls while maneuvering materials, your policy should respond. However, some policies have care, custody, and control exclusions that limit coverage for property you're working on directly—we can help ensure you have proper protection.
Yes. Sanding creates dust that can damage HVAC systems and personal property, while stains and finishes pose fire and fume hazards. Some policies have exclusions or higher rates for refinishing operations. If you do sanding and finishing work, ensure your policy specifically covers these operations and includes pollution liability for dust and fume exposures.
Completed operations coverage protects against claims arising after your work is done. If a floor buckles due to improper installation, adhesive failure, or inadequate moisture testing, your completed operations coverage should respond. This is why maintaining adequate limits is important—flooring replacement claims can be expensive, especially with high-end materials.
Most GCs require flooring subcontractors to carry at least $1 million per occurrence / $2 million aggregate in general liability with completed operations coverage. Commercial projects often require higher limits—$2 million or more—which can be achieved with an umbrella policy. We'll help you meet any contract requirements and provide same-day certificates.
Get comprehensive coverage tailored to flooring contractors. Free quotes, competitive rates.
First Underwriters Insurance Brokers • Protecting Pacific Northwest Contractors Since 1992
