Flooring contractor insurance

Q: What work height can you source cover for me?

From 15ft to 50ft or more, we can source insurance policies that cover a range of heights to suit your company and its needs. Whether you’re working on a commercial skyscraper or a terraced house, we’ll present you with options to select the right cover for you. The simplest way to find out whether we can cover your height is to get in touch with us.

Q: What should I do when a customer has asked for proof of insurance?

This is common when working with commercial clients. If a customer asks for proof of your insurance, show them your policy schedule. This will say the name of your business and your insurer, their covers and limits, and their policy start and end dates. Still need further proof? Get in touch with us and we can arrange a letter confirming the cover we've arranged as the business insurance broker.

Q: Can I include other trades with my cover?

If your company covers a number of activities within the trade industry, we can source cover for all-in-one insurance policy. We also have plenty of add-ons and alternate insurance options available to help give your business the protection you think it needs. Get in touch with us to find out how we can help find insurance cover for your business.

Q: What level of cover do I need?

It’s hard to say without knowing the facts, but we’re business insurance specialists, so we know how important it is to understand your unique requirements. Get in touch with us to discuss your options.

Q: Does Public Liability cover everything I need?

There’s lots of additional covers that could offer further protection for your business in the event of damage, injury or loss of equipment or tools. Get in touch with us to discuss your business needs.

Q: Do I need employers’ liability insurance?

Most employers are required to have employers’ liability insurance. Employers’ liability insurance provides cover in the event of employee injury. For more information on whether you are required to have employers’ liability insurance visit Employers' liability insurance - GOV.UK (www.gov.uk).

Q: Are tradesmen covered by the main contractor’s insurance?

Subcontractors may need to have their own insurance, separate to the main contractor’s insurance. Public liability insurance can protect and secure your business from risks and hazards that are common to commercial, industrial and residential construction sites.

Q: Do tradesmen need personal accident & sickness insurance?

While not a legal requirement, personal accident and sickness insurance can help you in the event of an accident by paying a weekly cash benefit if you’re unable to work temporarily from an injury, as well as a lump-sum payment if you’re rendered unable to work on a permanent basis.

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*10% of customers paid the equivalent of £4.74 a month or less between
1st Jan - 31st May 2024 for up to £2 million of public liability insurance.

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What is flooring contractors insurance?

Running a flooring business presents unique risks, from accidental damage to property and materials to the risk of legal claims arising from work completed on-site. Flooring contractor insurance can help you protect your business by providing tailored coverage that meets your specific needs.

Whether you work as a solo contractor or manage a team, flooring contractor business insurance offers peace of mind by covering risks that are common within the flooring industry. This could include cover for accidental damage, liability claims, and even tools and equipment. Let's explore how our insurance cover options may protect your flooring business.

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We’ve partnered with Simply Business, one of the UK’s biggest business insurance brokers. They can help protect your business with tailored online quotes from leading providers, including Axa, Churchill and Hiscox.

How it works

3 simple steps to protect your business with the right insurance for you

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What cover can business insurance for flooring contractors include?

You can compare tailored insurance options for flooring contractors which are designed to cover a wide range of risks:

Professional indemnity insurance

This can protect you for loss or damage to clients or third parties resulting from negligent services or poor advice.

Equipment & tools cover

Cover for your essential business equipment and tools, whether they're at home, in the van or on-site.

Contract works insurance

Protection against the loss of, or damage to, a construction project or site. You’ll be covered for the labour and material costs to re-do the work.

Public liability insurance

This protects you if your customers (or members of the public) suffer personal injury or property damage from your business.

Employers' liability insurance

This is a legal requirement for many businesses. Policies are available at £10m and can cover claims for work-related injuries or illnesses.

Personal accident cover

If you're unable to work due to an accident, personal accident insurance may provide financial support during recovery. This cover could be crucial to keeping the business running.

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Why choose flooring contractors insurance?

Your business insurance for flooring contractors can provide flexible cover levels designed to keep your operations running smoothly, even when unforeseen issues come up. Some key components that might benefit your flooring business include:

Accidental Damage: This cover can protect your business if damage to a client’s property occurs during a job.
Public Liability Insurance: Essential for many flooring contractors, public liability cover could help cover the cost of legal claims resulting from accidental injury to third parties or property damage.
Employers' Liability Insurance: A legal requirement if you employ staff, this insurance may help cover claims for injury or illness made by your employees.

Tradesman insurance FAQ's

If you have a question about your business insurance, you might find the answer here in our FAQs.

What work height can you source cover for me?

What should I do when a customer has asked for proof of insurance?

Can I include other trades with my cover?

What level of cover do I need?

Does Public Liability cover everything I need?

Do I need employers’ liability insurance?

Are tradesmen covered by the main contractor’s insurance?

Do tradesmen need personal accident & sickness insurance?

For more information on protecting your business, check out our FAQ's Hub

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Safeguard your business from financial risks including professional negligence claims, equipment and tools damage or theft, public liability, plant insurance and much more.

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