Whether you install hardwood, carpet, vinyl, laminate, tile, or other flooring materials, your work helps transform residential and commercial spaces. But accidents, property damage, and liability claims can happen on any job site. Flooring contractor insurance from Berxi helps protect your business, equipment, and finances so you can work with confidence.
Whether you’re installing flooring in homes, offices, retail spaces, or commercial buildings, every project comes with potential risks. Even experienced flooring professionals can face unexpected accidents, property damage claims, or legal expenses.
Flooring business insurance can help protect you from common risks like these:
Without flooring business insurance, these incidents could result in costly repairs, legal fees, and out-of-pocket expenses.
Flooring business insurance is designed for professionals and businesses that install, repair, replace, or maintain flooring in residential and commercial properties, including:
No matter the type of flooring work you perform, flooring installer insurance can help protect your business from common liability risks.
Insurance needs can vary based on the services you provide, where you work, and the size of your business. While general liability insurance serves as the foundation of most flooring contractor insurance policies, additional coverage may be appropriate depending on your operations.
General liability insurance helps protect flooring contractors from third-party bodily injury, property damage, and personal and advertising injury claims that may arise from their work.
It can help cover medical expenses, repair costs, legal fees, settlements, and other covered damages.
Examples include:
Optional business personal property (BPP) coverage helps repair or replace covered business property if it’s damaged. This can include flooring tools, sanders, saws, installation equipment, computers, and other business assets.
Examples include:
In addition to general liability insurance, flooring businesses may need other types of coverage depending on their operations.
If you have employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, this coverage is required by law once you hire employees. You can add optional workers’ comp coverage from one of our trusted partners to your Berxi general liability policy.
If you use a vehicle for business, commercial auto insurance can help cover accidents, vehicle damage, and certain liability claims. It’s especially important for contractors who travel between jobs carrying tools, equipment, and materials.
Professional liability insurance helps protect your flooring business if a client claims your services caused them a financial loss. For example, it may help cover legal defense costs if you’re accused of failing to perform services as promised.
Berxi’s flooring business insurance policies are built with contractors and small businesses in mind. Key benefits include:
Berxi’s general liability insurance for flooring businesses starts at just $350/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because Berxi has no hidden costs or interest fees, flooring contractors who choose our insurance save an average of 15% vs. other providers. The fastest way to find out how much you might pay for gutter cleaning insurance is to get a quote.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, update your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward:
Step 1: Using our easy online quote process, answer a few quick questions about your flooring business. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your general liability policy, which helps repair or replace your tools and equipment if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to download your certificate of insurance, update your information, or file a claim — right from your phone or computer.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
—
Che H.
“Berxi was considerably less expensive than my previous brick and mortar agent, and much more accessible. I wish I would have made the switch earlier.”
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Edward E.
“The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy B.
Yes, you should have insurance as an independent flooring installation professional. Even if you’re a sole proprietor, you can still be held responsible for property damage or injuries that occur while you’re working. Flooring contractor insurance helps protect independent contractors from costly claims, legal expenses, and unexpected accidents.
Your coverage eligibility depends on the types of services your business provides. While getting your quick online quote, you’ll be asked about your operations so we can help determine the appropriate coverage options for your business.
With Berxi, you can get your certificate of insurance the same day you get covered. To instantly download your certificate of insurance, just log in to your Berxi account.
Alternatively, you can reach out to our customer support team at support@berxi.com and they can email you your certificate of insurance.
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