Flooring Contractors Insurance
Protect your flooring business from accidental damage claims, tool theft and client disputes with cover tailored to flooring professionals.
Get in touchWhat is flooring contractors insurance?
Flooring contractors insurance is a package of cover designed to protect businesses that supply and install flooring products, from hardwood and laminate to carpets and vinyl. It typically includes public liability, employers liability and tools cover.
Flooring work carries risks including damage to subfloors, incorrect installation leading to product failure, and injury to third parties on site. The right insurance protects you against these everyday risks.
Find insurers who understand the flooring trade, so your cover reflects the materials you work with and the environments you install in.
Public Liability
Covers claims for property damage or injury arising from your flooring work.
Employers Liability
Required by law if you employ staff, covering workplace injury and illness.
Tools and Equipment
Covers your saws, sanders, adhesive guns and specialist flooring tools.
Products Liability
Covers claims arising from flooring products you have supplied and installed.
Who needs flooring contractors insurance?
Carpet fitters
Supplying and fitting carpets in domestic and commercial properties
Hardwood flooring installers
Installing, sanding and finishing solid wood floors
Laminate and vinyl fitters
Fitting laminate, LVT and sheet vinyl flooring
Commercial flooring contractors
Installing flooring in offices, retail units and public buildings
Floor sanding specialists
Restoring and refinishing existing wooden floors
WHY CECIL
Built differently.
Cover for flooring-specific claims
Flooring work involves adhesives, solvents and heavy materials in clients' properties. Cecil finds insurers who cover these specific risks.
Products liability included
If a floor you installed fails or a product you supplied causes damage, products liability covers the claim. Cecil makes sure this is part of your package.
Fast, fair quotes
Flooring contractors deserve insurance priced for their trade.
Tools covered at replacement value
Floor sanding machines and specialist tools are expensive. Cecil ensures your tools cover reflects current replacement costs.
Common questions about flooring contractors insurance
Do flooring contractors need public liability insurance?
Public liability is not legally required, but most clients expect it. Commercial projects almost always require a minimum level of cover before you can start work.
Does flooring insurance cover damage to a client's subfloor?
Yes, accidental damage to a client's subfloor or existing surfaces during your work is typically covered under public liability.
Do I need products liability insurance as a flooring contractor?
If you supply flooring products as well as install them, products liability covers claims if the product fails after installation.
What level of public liability do flooring contractors need?
Most flooring contractors carry between £1m and £5m of public liability cover. Commercial contracts often specify a minimum of £2m.
Does flooring insurance cover dust damage during sanding?
Dust damage from floor sanding is a common claim. Your public liability policy should cover accidental dust damage, provided you have taken reasonable precautions.
Interested in Flooring Contractors insurance?
We will be in contact when Cecil launches.