Insurance for Floorers
Whether you’re working solo or with a team, Bullfrog Insurance can help you protect your business with flooring contractor insurance. We keep it fast and simple – get instant coverage, rockstar treatment and no bull.
Here’s how to get a quote:
- Select your profession.
- Fill in your name, contact info, and postal code.
- Answer a few simple questions about your flooring business.
- Choose your insurance coverage.
You’ll get competitive floorer insurance quotes. All you must do next is select one, pay, and then you’re insured. We’ll email you your policy documents within minutes. Sound easy? It is.
Why Choose Bullfrog for Flooring Contractor Insurance
As a business owner, we know you’re busy. We want to make things easier by keeping insurance simple. With Bullfrog, you’ve got:
- Insurance you can manage when and where it’s convenient for you.
- Access to insurance experts when you need them.
- Fast, easy, online process to get flooring insurance.
- Great coverage for competitive prices.
With Bullfrog, you get instant coverage, Rockstar treatment and no bull.
Why do floorers need insurance?
Could you cover the cost of a lawsuit out of pocket? Could you afford to replace your tools if they were destroyed in a fire? Insurance helps floorers reduce the financial burden of a major disaster.
As a flooring contractor, you may also have contractual obligations requiring you to carry a certain amount of insurance.
Having insurance also looks good – and it reduces the risk for your potential clients.
What’s covered by flooring contractor insurance?
At Bullfrog, we offer commercial general liability insurance and optional property insurance for floorers.
We’ll cover you whether you’re working on your own premises or at a client’s or worksite.
Commercial General Liability Insurance for Flooring Installers & Contractors
Commercial general liability insurance protects floorers if they’re sued for causing property damage or bodily injury due to their negligent acts. Here’s a few definitions:
- Property Damage – physical damage to a third party’s property.
- Bodily Injury – physical injuries to a third party.
- Negligent Acts – are a failure to exercise appropriate care.
- Third Party – anyone not employed by your flooring business.
If you, your business, or an employee are accused of causing property damage or bodily injury due to negligent acts, your commercial general liability insurance will help cover legal expenses. This includes:
- Defense costs, including lawyers and expert witnesses
- Judgement awards
- Medical bills
We offer several levels of protection for floorers:
- $2 million
- $3 million
- $4 million
- $5 million
When deciding on the level of coverage you need, you should consider your company’s revenue, number of employees, where you operate, the likelihood of a lawsuit, and the potential costs of a lawsuit.
Property Insurance for Floorers
We offer optional property insurance for flooring installers and contractors for tools and equipment. You have two levels of coverage to choose from:
This coverage protects your company’s property whether it’s stored on your premises or at a worksite from a number of insured perils. Your policy documents will outline exactly what is and what isn’t covered.
Floorer Insurance Examples
Here are a few scenarios where flooring contractor and installer insurance would help:
- An employee makes a mistake and damages the wall or underlaying floor of a client’s home.
- A client touring your worksite trips and falls, getting injured.
- Someone goes “exploring” on your worksite and gets hurt.
- You drop a pile of tiles causing damage to the client’s property.
- You’re accused of causing damage to a client’s property – but you didn’t.
If you have the optional property insurance, here are a few scenarios where this coverage will help:
- Your tools are stolen from your worksite at a client’s home.
- There is a fire and your tools and equipment are destroyed.
- A tornado wrecks your worksite and damages your tools.
What isn’t covered by flooring contractor and installer insurance?
Insurance is designed for unexpected and specific events. Your commercial general liability insurance, for example, only covers property damage or bodily injury to third parties due to negligent acts – this means an injury to an employee, financial loss caused by your service, or intentional damage to a client’s property wouldn’t be covered.
It’s important to read about exclusions in your policy documents.
How much does insurance for floorers cost?
Insurance for flooring installers and contractors starts at $500/year or $42/month and increases based on your company’s risks. We get you different floorer insurance quotes so that you get the best price for your coverage.
What happens if I don’t have insurance as a flooring contractor or installer?
If you don’t have commercial general liability floorer insurance, you will have to pay out of pocket for medical bills, damages, and legal expenses if you’re sued for causing bodily injury or property damage due to negligent acts.
You may also be violating contracts if you are required to carry this coverage. Some clients may even require you to carry commercial general liability floorer insurance to bid on a project.
If you don’t carry property coverage as a flooring contractor or installer, you would need to have the money to replace your tools and equipment if they’re damaged, destroyed or stolen.
What affects the cost of insurance for floorers?
The cost of insurance for floorers is affected by the following:
- Your company’s operations
- Your company’s revenue
- Where your company operates
- The number of employees
- Your insurance history
- Your insurance coverage options
Where we offer
Locations where we currently offer floorers insurance in Canada:
- Red Deer
- British Columbia
Why our customers love Bullfrog
Our customers love Bullfrog because we make insurance simple. Do it quickly online yourself or talk to one of our knowledgeable insurance brokers. We’re responsive and professional and our insurance coverage is quality and competitively priced.
I love dealing with Bullfrog Insurance. Their account executives are very knowledgeable and think outside the box. Service is super fast too. Thanks Bullfrog!
White Lilac INC.
Thank you so much for your assistance, you made the process so painless. I have contacted other brokers before and they made it so complicated. Also, you were far more efficient!