Flooring Contractor Insurance
Coverage intended for flooring contractors — hardwood, tile, vinyl, carpet, and laminate.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage during flooring work
- ✓Damage to a customer's subfloor, fixtures, or furniture during install
- ✓Moisture or installation-defect allegations after completed operations
- ✓Tools and inventory (when scheduled on the policy)
Coverage products commonly considered
Most flooring contractor operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Hardwood flooring buckles weeks after install, allegedly due to a moisture issue at install time. Completed-operations coverage is generally intended to address allegations of this nature in the event of a covered claim.
- A subfloor is gouged during demolition. General liability is intended to respond to allegations of this type.
Frequently asked questions
Does this cover damage from adhesive or stain?
Damage to adjacent property from adhesives, stains, or finishes is generally intended to be addressed by general liability, subject to policy exclusions.
What about subfloor moisture readings?
Many disputes turn on whether a moisture reading was taken. Document moisture readings before install — it strengthens defense of any later allegation.
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