Flooring contractor insurance
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Protect your business with flooring contractor insurance from Trade Direct. Whether you install hardwood flooring, laminate, vinyl, safety flooring or commercial flooring systems, the right cover can help support your business finances if an insured event leads to a claim.
Flooring contractor insurance explained
Flooring projects often take place in occupied homes, commercial premises, retail units and construction environments. You may work around customers, employees, other contractors and members of the public while handling specialist materials, adhesives and equipment.
Our flooring contractor insurance brings together a range of cover options that can help protect your business against unforeseen costs if an insured event results in a claim.
Public liability insurance
Public liability insurance is one of the most common types of flooring insurance chosen by contractors and installers. It can provide protection if a third party claims they have suffered injury or property damage because of your work.
You can choose public liability insurance up to £5 million across all our flooring contractor insurance packages.
Employers’ liability insurance
If you employ staff, employers' liability insurance may be required by law in certain circumstances.
It can provide protection if an employee suffers an injury or illness connected to their work and brings a claim against your business.
You can add employers' liability insurance across all our flooring contractor insurance packages, with cover available up to £10 million.
Professional indemnity insurance
If you provide recommendations, specifications or advice about flooring products, materials or installation methods, professional indemnity insurance can provide protection if a customer alleges those services caused them financial loss.
We include professional indemnity cover within our Classic and Plus policies.
Cover is available up to £100,000.
Tools cover
Many flooring installers rely on specialist tools and equipment every day, from cutters and sanders to measuring equipment and power tools.
Our tools cover can apply to handheld powered and non-powered portable tools, as well as laptops and tablets used for business purposes, subject to policy terms and conditions.
Tools cover starts at £1,000 and can be increased up to £15,000.
Temporary total disablement benefit
Available within our Plus policies, Temporary Total Disablement Benefit can provide up to £600 per week if an insured person is unable to work due to a covered injury, subject to policy terms and conditions.
Why flooring contractors need insurance
As a flooring contractor, you may work across domestic properties, commercial premises, retail units and construction sites. Every project brings different challenges and different risks:
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You might transport expensive tools between jobs.
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Customers and visitors may walk through active work areas.
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In some cases, clients may allege your work caused them financial loss.
Our flooring contractors’ liability insurance can help protect your business against unforeseen costs if an insured event results in a claim. Depending on the cover you select, you can also protect employees, tools, professional services and your income following certain injuries.
Whether you're fitting luxury vinyl tiles, laying timber flooring or completing large commercial installations, having the right cover in place can help keep your business moving.
Common risks faced by flooring contractors
Flooring projects often involve specialist tools, adhesives, materials and unfinished work areas. Whether you're fitting vinyl flooring, hardwood floors, safety flooring or commercial flooring systems, unexpected incidents can happen.
Here are some situations where flooring contractor insurance may provide protection:
1. A customer trips in an active work area
Flooring installations can create temporary hazards while work is underway.
If a customer, visitor or member of the public trips over tools, materials or equipment and suffers an injury, public liability insurance may provide protection against claims involving third-party injury.
2. Damage to third-party property
Flooring work often takes place in occupied homes, offices and commercial premises.
If equipment, materials or adhesives accidentally damage surrounding third-party property, public liability insurance may provide protection against claims for property damage.
3. Theft of specialist flooring tools
Many flooring installers transport valuable tools and equipment between projects.
Tools cover can help support replacement costs if insured tools or equipment are stolen from a locked vehicle, subject to policy terms and conditions.
4. An employee suffers an injury
If you employ staff, employers' liability insurance may provide protection if an employee suffers an injury and brings a claim against the business.
Up to £10 million of employers' liability cover is available to add across our flooring contractor insurance packages.
5. A customer alleges financial loss
A customer may claim your services caused them financial loss.
Up to £100,000 of Third Party Financial Loss cover is included as standard across our flooring contractor insurance packages.
What flooring contractor insurance can and can't cover
Understanding what is and isn't covered can help you choose the right level of protection for your flooring business.
What can be covered
✔ Public liability insurance up to £5 million
✔ Injury to third parties arising from your work
✔ Accidental Damage to surrounding third-party property
✔ Legal defence costs that may be covered under the policy following an insured claim
✔ Third Party Financial Loss cover up to £100,000
✔ Professional indemnity cover up to £100,000
✔ Tools cover from £1,000 up to £15,000
✔ Employers' liability insurance up to £10 million
✔ Temporary Total Disablement Benefit up to £600 per week
✔ Capital Death Benefit
✔ Optional extras including contract works, owned plant, hired-in plant, stock in transit cover and jury service.
What can’t be covered
✘ Damage to the flooring, floor surface or materials being worked on
✘ Deliberate damage
✘ Wear and tear to tools and equipment
✘ Mechanical breakdown of equipment
✘ Work carried out before your policy start date
✘ Activities not declared within your policy
✘ Items or equipment not covered by your policy
Who is flooring contractor insurance for?
We provide business insurance for flooring contractors working across a wide range of residential, commercial and industrial projects.
These include:
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Flooring contractors
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Flooring installers
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Self-employed flooring contractors
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Commercial flooring contractors
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Domestic flooring installers
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Vinyl flooring specialists
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Hardwood flooring installers
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Laminate flooring contractors
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Safety flooring contractors
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Continuous flooring contractors
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Resin flooring contractors
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Partnerships
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Limited companies
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Limited liability partnerships
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Flooring businesses with employees
Cover is available for businesses with up to 15 employees and turnover up to £3 million.
Your flooring contractor insurance cover options
From residential installations and refurbishment projects to large-scale commercial flooring contracts, we offer cover options designed for sole traders and businesses with up to 15 employees.
Essentials
Our flooring contractors’ Essentials package focuses on core liability protection, combining public liability insurance with Third Party Financial Loss cover.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers' Liability insurance £10 million available
Ideal for: Flooring contractors and flooring installers looking for core protection against third-party injury, property damage and financial loss claims.
Classic
Our Classic package builds on Essentials by adding protection for professional advice and tools.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Employers' Liability insurance £10 million available
Ideal for: Flooring businesses that rely on specialist tools, equipment and professional expertise as part of their day-to-day work.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Our Plus package includes everything available under Classic and adds temporary total disablement benefit, which can provide a weekly income if a covered injury prevents an insured person from working.
✔ Public liability insurance up to £5 million
✔ Professional indemnity cover £100,000
✔ Third party financial loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Temporary total disablement benefit up to £600 a week per person
✔ Employers' liability insurance £10 million available
Ideal for: Self-employed flooring contractors and businesses looking for comprehensive cover across multiple areas of their operation.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional extras for flooring contractors
Some flooring projects involve transporting materials, hiring plant or storing stock between sites, so additional protection may be useful beyond the cover included within your chosen package.
Optional extras include:
Contract works
Hired-in plant
Stock in transit cover
Jury service cover
Owned plant
These covers are not included as standard and must be added to your policy if required.
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
How much flooring contractor insurance do you need?
Every flooring business works differently, so the level of cover you choose will depend on the projects you undertake and the risks involved.
Factors that may affect your insurance requirements include:
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Whether you work alone or employ staff.
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The value of your tools and equipment.
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The types of flooring you install.
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Whether you work in domestic, commercial or industrial premises.
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Any contractual insurance requirements.
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Optional covers selected.
The cost of flooring insurance will depend on your business, your activities and the level of cover you choose.
How to get a flooring contractor insurance quote
Getting a flooring contractor insurance quote online is straightforward.
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Tell us about your business and the flooring installation work you carry out.
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Choose the level of cover that best reflects the needs of your business.
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Review your quote and purchase your policy online.
Once your cover is in place, you'll be able to access your policy documents online.
Cover begins from the date you select when purchasing your policy, not from the date you buy or when a flooring project starts.
Whether you're self-employed and looking for flooring contractor insurance, or need flooring installer insurance for a growing business, we make it easy to explore your cover options online.
Flooring contractor insurance FAQs
Related insurance for flooring contractors
Van Insurance
Whether you're transporting flooring materials, tools or equipment between projects, your van plays an important role in keeping your business moving.
We offer comprehensive, third party only and third party fire and theft cover options.
Tools insurance
Flooring contractors often rely on specialist equipment, from cutters and sanders to measuring tools and installation equipment.
Our tools insurance can provide cover for insured tools and equipment up to £15,000, helping support replacement costs if covered items are lost, stolen or damaged.
Builders' insurance
Some flooring contractors work alongside builders, fit-out contractors and other trades on larger construction and refurbishment projects.
Our builders' insurance provides cover options for businesses carrying out a range of construction activities.
Get your flooring contractor insurance quote today
Whether you install hardwood flooring, laminate, vinyl, safety flooring or commercial flooring systems, we offer flooring contractor insurance designed around how you work.
From self-employed flooring installers to growing businesses with employees, you can choose from a range of cover options designed for businesses with up to 15 employees.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Public liability insurance up to £5 million
✔ Tools cover up to £15,000
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Fast online quote experience
✔ Cover for over 70 recognised trades