Flooring Contractor Insurance
Liability coverage built and priced for flooring work, from hardwood and laminate to tile and carpet.
Backed by industry leaders
Why do flooring contractors need insurance?
You work in clients' finished homes with saws, nailers, and heavy boxes moving through every room, often while the family is still living there. When something gets damaged or someone gets hurt, Commercial General Liability is the policy that answers.
It can cover the claim and the legal defense. That's why general contractors, property managers, and many homeowners want your certificate on file before you start.
What does flooring insurance cover?
01 / 04What makes Foxquilt's flooring insurance different?
Multiple trades? No problem
Hardwood and laminate plus tile or carpet on the side? Tell us the split and we price your real business.
Completely digital, start to finish
Quote and buy from the truck, the job site, or between jobs. Do it on your own or with our team.
Certificates when you need them
Your COI is emailed the moment you buy. Need one naming the GC or property manager? Our team makes it easy to add an additional insured.
Foxquilt's flooring insurance is built for…
Don't see your specialty? We write Commercial General Liability for over 500 professions.
Answers in, certificate out.
Every trade you work, on one policy.
Tell us about your business and our platform does the work of building you a policy that matches. It's quick, digital, and comprehensive.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your contracts ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Certificates and policy docs, straight to your inbox.
Your COI and policy documents are emailed the moment you buy, so the GC or property manager has proof of insurance before you start the job.
What other coverages do flooring contractors need?
Errors & Omissions
For the design, spec, and consulting side of your work: claims of financial loss caused by the advice or service you provided. With Foxquilt, you can hold CGL and E&O together.
See E&O Coverage →Can cover your own gear: the saws, nailers, tile saw, moisture meter, and the flooring stock in your van. CGL only covers other people's property, so this is the other half of the pair.
Learn More→Can cover the trucks and vans you drive to every job. Your personal auto policy very likely excludes business use.
Learn More→Can cover medical care and lost wages when an employee or apprentice is hurt on the job, like a knee injury or a back strain carrying boxes of tile. Required in most U.S. states the moment you hire your first employee.
Learn More→Can cover a breach of customer data, a ransomware lock-out on your scheduling software, or a deposit wired to a fraudster.
Learn More→It depends on the flooring work you do (hardwood, tile, or carpet, residential or commercial), your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
Your policy can cover damage your work causes to other property, like the cabinets beside the new floor or a ceiling below a punctured pipe. Our team of experts is happy to review policy terms and exclusions with you before purchasing.
Usually, yes. Most GCs ask subcontractors for proof of their own liability insurance, and many want to be named as an additional insured. You can do both when you buy.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Yep. Add each profession during the application and assign a rough percentage of your work to each. We rate the blend, so an installer who mostly lays laminate isn't priced as though every job were a full tile bathroom.
Usually, yes. A homeowner's policy won't respond to a business claim, and a solo installer faces the same damage and injury claims a ten-truck shop does. Most GCs and property managers require it in writing before you start.
Yes. Pay the annual premium up front, or spread it across monthly instalments at checkout. Either way coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your flooring quote in under ten minutes.
Answer a few questions about your flooring work and get your certificate straight to your inbox today.