Whether you specialise in laying floors in residential properties or large-scale commercial buildings, or a mixture of both, it’s vital that you have suitable financial protection in place.
From accidentally damaging a client’s property, to causing injury to a customer or member of the public, to an employee suffering an accident at work, you might face a wide range of risks in your profession. Having appropriate insurance will protect you in situations like these.
At Markel Direct, we offer tailored flooring contractor insurance that you can rely on.
What is flooring contractor and installers’ insurance?
Business insurance for flooring contractors refers to a package of cover options designed to provide financial protection to people who specialise in flooring services, from site surveys, to surface preparation, to installation. This insurance can include various types of cover, including public liability protection, tools insurance and employers’ liability insurance.
At Markel Direct, we offer a full range of cover options for you to choose from.
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Public liability insurance for flooring contractors and installers
Your work brings you into contact with members of the public on a frequent basis, and there is always a danger that you will cause injury or property damage. This means it’s essential to protect yourself against third-party claims that may arise in such scenarios. Public liability insurance is there to cover any compensation payments and legal defence costs you may face if you are subject to a claim.
For example, while installing new vinyl flooring for a customer, you cause damage to their walls. They seek compensation to repair the affected area. Or perhaps a customer suffers serious cuts to their foot as a result of debris you left behind following a job, causing them to sue you for their injuries.
If you would struggle to cover unexpected costs like these out of your own pocket, it’s important to make sure you have public liability insurance in place.
Do I need flooring contractor and installers’ insurance?
As a flooring contractor, you might need certain types of insurance. The fact is, regardless of how skilled and meticulous you are in your work, you can’t rule out the possibility that projects won’t go to plan. If something does go wrong, the consequences could be serious for your finances.
For example, if you damage a client’s paint work as you’re carrying flooring into their home, they may ask you to cover the cost of having it repainted. Or what if you’re working at height constructing a new mezzanine floor and a tool you’re using falls on a member of the public walking underneath, causing head injuries. Would you be able to pay the resultant legal fees and compensation costs? Having public liability insurance in place will protect your finances in situations like these. You should also be aware that some clients may insist you have this cover in place before they will take you on for a job.
From mortar and grout mixers to jigsaws, mitre saws, power nailers and more, consider the equipment you rely on as a flooring contractor too. If this was stolen, lost or damaged, how much would you have to pay to replace or repair it? If you would struggle to cover this expense, it’s wise to take out tools insurance.
Another type of financial protection to be aware of is employers’ liability insurance. This is a legal requirement for all businesses with employees.
Why choose Markel Direct for flooring contractor and installers’ insurance?
There are many reasons to choose Markel for your flooring installers’ insurance. Here are just some:
✔ Zero hidden fees
You don’t have to worry about being hit with unexpected costs when you purchase flooring contractors’ insurance from us. Our pricing is upfront and transparent.
✔ The easy way to get a quote
We know that flooring installers don’t have time to waste, which is why we make getting a quote quick and easy. Simply fill in our online form and get a quote in as little as 90 seconds.
✔ Only the cover you actually need
To ensure you benefit from the protection you need without paying for unnecessary cover, we offer policies tailored to match your precise requirements.
✔ Legal advice around the clock
If you need legal advice, you don’t want to have to wait. With Markel, you won’t. We run a 24/7 legal helpline operated by expert solicitors.
✔ Impressive customer feedback
Don’t just listen to what we have to say about our tradesman insurance. Check out our impressive customer ratings on Feefo.com.
How to buy flooring contractor and installers’ insurance
Purchasing flooring contractor insurance from us is easy. All you have to do is fill in our straightforward online quote form and we’ll provide you with a personalised quote.
Take a look at what we have to offer and, if you’re happy to proceed, you can choose whether to begin your cover straight away or arrange insurance up to 30 days in advance.
How much does flooring contractor and installers’ insurance cost?
The cost of business insurance for flooring contractors depends on a number of factors. For example, the size of your business, the types of financial protection you want and the level of cover you require will all impact your premium.
Get a quote on our website today to see how much you can expect to pay.