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Insurance Programs for Flooring Contractors

Insuring Carpet Installers and Flooring Contractors

Carpet Installers and flooring contractors typically sell and provide installation of various floor coverings including wood, laminates, carpet, porcelain, and vinyl & ceramic tile. Due to the heavy lifting and nature of the work, knee and back injuries are prevalent. Thus a good workers’ comp program is essential. It is also important to consider environmental exposures for buildings constructed prior to 1978 as lead was commonly used in paints and other building material.

Commercial general liability typically covers claims resulting from the operations of the business, after a job is completed or completed operations, premises liability, and personal & advertising injury. Commercial property, inland marine, and installation insurance provide coverage for the tools, equipment, and/or material of the contractor.

Many flooring contractors operate their businesses from a store front which may serve a dual purpose; a showroom to display the stock, and a warehouse to store the inventory. Other functions include a meeting area for the crews, office for the staff, and a design center for the clientele. Hence protecting against the closure of the premises by a loss is also important, therefore the proper amount of loss of business income should be analyzed.

Commercial auto and truck insurance provide coverage for liability, uninsured motorist, no-fault protection, and coverage for the physical damage to the fleet. Also worth considering are rental hire and non-owned liability, rental reimbursement, and glass.

LIABILITY & UMBRELLA INSURANCE