Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 15, 2026.
GENERAL LIABILITY
Flooring $78/month for general liability
WHY IT MATTERS
Why Flooring need business insurance
Flooring work can involve active jobsites, heavy materials, customer property, employees and business vehicles. The right mix of coverage can help your business respond when an accident leads to a covered claim.
SCENARIO 1
A customer is injured
A customer trips over loose flooring at an active jobsite. If the claim is covered, general liability insurance may help with medical expenses, legal defense and a settlement.
SCENARIO 2
An employee is hurt
An employee injures their back while moving flooring materials. Workers' compensation insurance may help with covered medical care and lost wages, subject to the policy and applicable requirements.
SCENARIO 3
A work vehicle crashes
An employee causes a collision while driving to an installation. Commercial auto insurance may help with covered liability and vehicle damage associated with the accident.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services and project scope
Demolition, subfloor repair and larger projects can create more exposure than limited installation work, which may increase the rate.
Payroll and team size
Higher payroll and more employees can increase the workers' compensation rate because more people are performing the work.
Revenue and job volume
More revenue or a higher volume of projects can increase the rate by expanding the amount of work covered by the policy.
Vehicles and driving activity
More work vehicles, drivers or time on the road can increase the commercial auto rate.
Claims history
Recent or frequent claims may lead to a higher rate, while a record with fewer claims may be viewed more favorably.
Coverage selections
Higher limits and broader coverage options can increase the rate, while deductible choices may change what you pay and what you retain.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national flooring business insurance quote, location-related details still help shape the available coverage and rate.
State requirements
Rates and requirements vary by state and by carrier, so each operating location should be listed accurately.
Jobsite profile
The types of properties and projects where you work can affect the exposure considered in a quote.
Coverage availability
Available coverage options can vary based on where the business operates and the flooring services it performs.
576
Quotes analyzed
50
States represented
3
Coverage lines
BEST RATE
How to get the best rate
Describe every service accurately
List installation, removal, refinishing, repair and subcontracted work so the quote reflects your actual operations.
Organize payroll and revenue records
Prepare current payroll, revenue and job-volume details before requesting a quote.
Document safety practices
Write down procedures for lifting, site cleanup, equipment use and employee driving.
Review limits and deductibles
Match coverage choices to your contracts and decide how much risk the business can reasonably retain.
FAQ
Common questions
What business insurance should a flooring business consider?
The right mix depends on your services, employees, vehicles and contracts. Flooring businesses may consider general liability insurance, workers' compensation insurance and commercial auto insurance based on their operations.
What does general liability insurance cover for a flooring business?
General liability insurance may help with covered third-party bodily injury, property damage and related legal defense. The policy's terms, exclusions and limits determine how a specific claim is handled.
Does general liability insurance cover faulty flooring work?
General liability insurance generally does not pay simply to redo your own faulty work. Resulting property damage may be handled differently, so the policy terms and facts of the claim matter.
Do flooring businesses with employees need workers' compensation insurance?
Requirements vary by state and by carrier. Workers' compensation insurance may help employees with covered medical expenses and lost wages after a work-related injury.
What information is needed for a flooring business insurance quote?
Be ready to provide your services, revenue, payroll, employee count, vehicle details, claims history, operating locations and requested coverage. Accurate information helps the quote reflect how your flooring business actually works.