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Flooring Contractor Insurance

Save up to 40% on Flooring Contractor Insurance. PBIB will quote your insurance using many insurance companies to provide you with the best deal and the coverage that best suits your needs. Every policy has adjustable payment options, such as yearly or monthly payments.

We typically recommend the following coverage for Flooring Contractor

Our aim at PBIB is to give you the coverage you require to safeguard your Flooring Contractors’ business from loss. As insurance brokers, we may choose from several insurance programs to best meet your unique insurance needs. To protect your Flooring Contractor business against losses like property damage, bodily injury, work-related injuries, damage or loss to cars or tools & equipment, including legal expenses and indemnification, we advise the following coverages:

  • General Liability
  • Workers Compensation
  • Commercial Auto
  • Professional Liability
  • Tools and Equipment
  • Property
  • Bonding


Save up to 40% on Flooring Contractor Insurance

PBIB will often use numerous insurance companies to quote your insurance to provide you with the greatest deal and coverage for your needs. Every policy has adjustable payment options, such as yearly or monthly payments.


General Liability

Occurence Limit $1,000,000
Product Completed Ops $2,000,000
Each Occurence Limit $1,000,000

Worker’s Compensation

Limit $1,000,000

Commercial Auto

Limit $1,000,000

Tools & Equipment

Limit $10,000

Excess Liability

Limit $1,000,000



  1. The restrictions for tools and equipment should be changed to reflect the true cost of the tools and equipment that the contractor owns, rents, or leases.
  2. For loss exposures beyond $1,000,000, excess liability should be considered, unless contractual obligations require a different amount to be held.
  3. Unless the GC provides Design-Build, Construction Management, or other consulting services, professional liability is typically not required.


We offer services to help you get the business insurance coverage you need.

General Liability for Flooring Contractors
As a Flooring Contractor, securing appropriate insurance coverage is critical to safeguarding your business against third-party claims. General Liability insurance is paramount in protecting your company from potential property damage or injury lawsuits arising from your work. Even a minor mishap can have catastrophic consequences for your business.

Should a third party suffer bodily harm or property damage due to your business operations, your company may face serious legal and financial repercussions. To prevent such a scenario, our General Liability insurance is designed to protect your employees, company assets, and overall business from vulnerable situations and costly litigation.

Furthermore, in some states or counties, General Liability insurance may be a legal requirement for obtaining a Flooring Contractor license. At PBIB, we offer full-service certificates during weekdays and 24/7 self-service certificates to ensure you have access to the protection you need, whenever you need it – we call this “Insurance on your time”.

General Liability for Flooring Contractors can help you pay for:

  • Medical payments for 3rd party injuries
  • Property damage to 3rd party property
  • Legal fees and defense





Worker’s Compensation for Flooring Contractors

Workers’ compensation is an essential type of insurance for flooring contractors. It provides coverage for employees who suffer job-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. Some states require flooring contractors to carry workers’ compensation insurance, and failure to do so can result in penalties or legal consequences.

If you require a work comp policy but do not have any employees, fret not. We have policies that can protect you and provide the coverage your customer’s demand.

Depending on the state or county where you operate as a flooring contractor, workers’ compensation may be necessary for your license. We offer full-service certificates from Monday to Friday, as well as 24/7 self-service certificates, allowing you to obtain insurance on your schedule.

Workers’ Compensation for Flooring Contractors can help you pay for:

  • Medical expenses of your injured employees
  • Disability & Retraining of your employee.
  • Lost wages
  • Survivor benefit
  • Employer liability




Commercial Auto for Flooring Contractors

Without a car to transport you, your supplies, and your tools to the project, it is hard to operate a flooring contractor business. PBIB offers the insurance you need to be protected when trucks are destroyed or stolen, and we try to get you back to work as soon as possible. We are aware firsthand of the importance of your wheeled workforce.

We offer full-service insurance certificates Monday through Friday to get you on the job as well as 24/7 self-service certificates, which is what we refer to as “Insurance on your time.” Commercial auto insurance is a crucial insurance coverage for flooring contractors and a requirement for many projects.

Commercial Auto for Flooring Contractors can help you pay for:

  • Hired & Non-Owned Auto, Legal defense from employees driving their own vehicles.
  • Medical expenses from injuries
  • Collision repairs to your and 3rd party vehicles
  • Legal fees & Defense
  • Rental vehicle reimbursement


Tools & Equipment for Flooring Contractors

The purpose of the tools and equipment insurance for flooring contractors is to safeguard your valuable moveable assets. Inland marine insurance, commonly referred to as tools and equipment coverage, guards your valuable assets against dangers like theft and damage while they are being used, stored, or transported to and from your jobsite.

Tools & Equipment for Flooring Contractors can help you pay for damaged or stolen:

  • Tools & Equipment owned or rented by you.
  • Employee tools and equipment (Optional)
  • Borrowed equipment (Optional)
  • Cost of renting interim equipment (Optional)


Professional Liability for Flooring Contractors

Flooring contractors are professionals who install, repair, or replace flooring materials in residential or commercial buildings. They are responsible for ensuring that the flooring is installed properly and meets the requirements of the customer. However, mistakes can happen, and sometimes flooring contractors can be held liable for damages that occur due to their work.

Professional liability, also known as errors and omissions (E&O) insurance, is a type of insurance that provides coverage for professionals who make mistakes or fail to perform their duties properly. Flooring contractors can benefit from professional liability insurance, as it can help protect them from financial loss in case of a claim or lawsuit.

Professional Liability Insurance can help your business with:

  • Protection against Legal risk
  • Coverage for claims and financial risk related to errors and omissions in their work.


License Bonds for Flooring Contractors

To obtain or keep your contractor license, most states require you to obtain a license bond. This bond serves as a guarantee that you will not break any state laws or abscond with a customer’s deposit.

The cost of a license bond can start as low as $70, but the amount may increase depending on factors such as your personal credit, license history, and contractor classification.

At our company, we offer various types of bonds, including performance and payment bonds, among others. To receive an instant quote and bind your bond online within minutes, simply enter your state and the type of bond you need or select from a list.