Great coverage at an even better price for flooring contractor insurance
Whether you specialize in residential or commercial flooring, and work with hardwood, engineered, laminate, carpet or ceramic tile – we’ll make sure you have the insurance you need in Ontario. We’ll take care of all the details to get you essential protection, like an installation floater which covers flooring materials while they’re waiting to be installed or in transport. We’ll even help you get your sub-contractors covered too.
Flooring contractors insurance that’s right for you
You give your customers choices when it comes to price, durability, look and more. We offer options too when it comes to flooring contractors insurance. The basics cover general liability, along with your tools, vehicles and showroom. There are valuable add-ons available too that bring your business even more protection. As a brokerage for over 70 of Canada’s top insurance companies we’ll get you the exact coverage you need.
What’s included in flooring contractors insurance?
Insurance packages for flooring contractors usually include general liability along with coverage for your tools, vehicle, shop and more.
Commercial general liability
A necessity for all businesses, this provides protection if you cause property damage or an injury. It covers things like medical expenses, legal fees and court awarded costs.
More about CGL
Commercial auto
Coverage for your commercial vehicles, which can also be extended to personal vans or trucks if they are used to transport flooring tools and supplies to and from job sites.
More about commercial auto insurance
Tools and equipment
This pays to repair or replace nail guns, compressors, table saws and other tools and equipment if they’re damaged, destroyed or stolen. It also covers short-term rentals so you can keep working after a claim.
More about tools and equipment insurance
Commercial property
Your business office or warehouse, including its contents, can be covered for damage or loss caused by fire, flood, vandalism, theft and more. If you have a home-based business, we can help with that too.
More about commercial property insurance
Frequently asked questions about flooring contractors insurance
Do I need an installation floater?
Aside from your tools, trucks and business supplies, your flooring company has another major asset that needs protecting – the flooring itself. Once it’s installed, it’s covered by your client’s home or business insurance, but if it’s in your warehouse or on a job site awaiting installation, an installation floater will protect that hardwood, carpet or tile. Your Mitch commercial insurance specialist will go over this coverage with you to make sure you have all your bases covered.
Do I need special coverage if I use my personal vehicle to transport flooring to job sites?
If you or your employees use your personal vehicles for business purposes and your insurance company doesn’t know, you’re taking a big chance. If you get in an accident while transporting flooring materials and work tools, your claim could be denied and you could be on the hook for the damages and possible injuries. Even having your business logo or phone number on the outside could void your coverage. Our team of flooring contractor insurance specialists will make sure you’re properly covered.
What if I operate my flooring installation business from home?
If you’re running a home-based business, you won’t need separate commercial property insurance, which will save you quite a bit on your policy. But talk to your broker though, because if you keep tools and materials related to the business in your home, or carry out any operations from there, your home insurance won’t cover those things.
Your business is unique, so are your insurance options.
Being a brokerage for over 70 of Canada’s top insurers means we have access to a wide range of insurance solutions as unique as your business – at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here’s a few of them:
