The flooring insurance specialists
Between subfloor prep, material acclimation, and the finished install, a lot can go wrong before a client ever steps on the floor. We cover the exposures specific to flooring work — from crew size of one to full commercial installation teams.
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
Two minutes on the materials you install and how your crew is set up.
Licensed agents compare multiple carriers and build your quote — usually back the same business day.*
No pressure call. Read the quote, ask questions, enroll whenever works for you.
Bind coverage and your COI generates immediately — send it to the GC or homeowner 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.
"A gouged subfloor or a buckled plank three weeks later isn't a hypothetical in this trade. We build coverage that actually matches the claim."
Coverages
Plain-English protection, matched to your real exposures.
The foundation. Responds to third-party bodily injury and property damage — a client trips over stored materials, subfloor prep damages a pipe, or a finished floor is scratched before handoff.
Inland marine coverage protects your saws, nailers, sanders, and flooring gear — whether on the job site, in your truck, or in transit. Standard property policies don't follow your tools.
Hauling pallets of hardwood or tile in a personal truck? Most personal auto policies exclude that use once it's tied to your business. We'll walk through whether commercial coverage applies to your rig.
An installer runs a material pickup in their own car, or you rent a van for a big commercial delivery — this covers vehicles you don't own but that are working for you.
Flooring installation is physical, repetitive work — knee and back injuries from kneeling and lifting are common claims. If you have employees, most states require this coverage.
Flooring retailers, GCs, and property management companies routinely require you to name them on your policy before you're allowed on a job site or into a store's install program.
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 laminate installers working in homes and rental properties.
Office buildings, retail spaces, warehouses, and commercial flooring projects.
Licensed contractors managing crews, subcontractors, and larger projects.
One-person operations that need GL fast — often for a specific job or client.
Hardwood refinishing, epoxy coatings, tile setting, and specialty flooring work.
Just starting out? New ventures welcome. Get covered from day one. →
Wondering about price?
Your premium depends on revenue, number of employees or subs, whether you do commercial work, and the states you operate in. See what drives the number — and what you'd likely pay.
See the full cost breakdown →FAQ
Give us the details on your install work and we'll shop it across multiple carriers — no single-carrier pitch, no pressure. Quotes typically land the same business day, and your COI prints the moment you bind.
The specialist insurance program for flooring professionals.