The flooring insurance specialists
From tear-out to final finish, a flooring job carries risk that's different from almost any other trade — expensive materials, moisture exposure, and work that only shows its flaws weeks later. Coverage built around that.
No spam. Same-day coverage is typically available, and your certificate of insurance is issued instantly after you bind.
Get your free quote
Step 1 of 4How it works
Hardwood, tile, carpet, vinyl, refinishing — the materials and methods you work with shape the quote, so we ask upfront instead of guessing.
Our agents place flooring installation risk with carriers that actually understand materials exposure — back to you typically the same business day.*
Compare limits and pricing side by side, ask questions, and enroll on your own timeline — no pressure to decide on the call.
Bind and your COI is generated instantly — attach it to the next bid, retailer program application, or property manager email same day.
*Quote turnaround is typical during normal business hours and may vary. Coverage, same-day availability, and eligibility are subject to carrier underwriting and approval.
"Every plank, tile, and subfloor tells you something different weeks after you've moved on. We build coverage around how flooring work actually plays out."
Coverages
Plain-English protection, matched to your real exposures.
The foundation. Responds to third-party bodily injury and property damage — a client trips over your tile saw, moisture damage from an install shows up weeks later, or dust from a refinishing job damages an HVAC system.
Inland marine coverage protects hardwood, tile, and flooring stock — often the most expensive part of the job — plus your saws and sanders, whether staged on-site, in your truck, or in transit. Standard property policies don't follow materials you don't own yet.
Your truck is hauling pallets of flooring and a trailer full of equipment — personal auto policies routinely deny claims once they see business use. If it's moving materials for the job, it needs commercial coverage.
Rent a box truck for a big material delivery, or send a crew member in their own vehicle for a supply run — this picks up the liability gap personal policies leave behind. Big-box retailer installer programs often ask for it by name.
A crew member throws out their back moving a pallet of tile, or gets hurt operating a floor sander — most states require this the moment you put a W-2 employee on the clock, and it protects you from a lawsuit as much as it protects them.
Property managers, GCs, and the retailers whose installer network you're part of (Lowe's, Home Depot, and similar programs) increasingly want to be named on your policy before they'll route work your way. We build the endorsement in so you're never scrambling before a job.
Coverage descriptions are general summaries. Actual coverage is governed by the policy issued and is subject to underwriting, terms, and carrier availability.
Who we insure
Hardwood, tile, carpet, and vinyl installs in occupied homes and rentals.
Office buildouts, retail spaces, and large-format commercial flooring jobs.
Larger operations managing crews, subcontractors, and multiple active jobs.
One-person operations that need GL fast — often for a specific job or client.
Sanding, staining, and restoring existing hardwood floors.
Just starting out? New ventures welcome. Get covered from day one. →
Wondering about price?
The range is wide because material value moves the number as much as revenue does — a hardwood or tile job carries a different exposure than carpet or vinyl. What you install, whether you carry materials in transit, and your typical job size all move the number.
See the full cost breakdown →FAQ
Floorsurance connects you with licensed agents who shop the real list of what you take on — installation, drywall, a little electrical, a little plumbing — to carriers that won't blink at the mix. Review the quote, enroll on your own clock, and your COI is ready the moment you bind.
The specialist insurance program for handymen.