Flooring Contractor Insurance
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Learn about the exclusions & costs to be fully informed.
Get the right cover & more importantly peace of mind.
Table of Contents
What insurance do you need as an Flooring Contractor?
Flooring Contractors faces many types of risks, such as risks to your property like, stock, tools of trade, vehicle etc. A business also faces other risks of liability to others when you end up damaging someone else’s property or causing an injury to others.
Without going into much detail, a variety of these risks can all be packaged together and insurers over the years provide solutions called business insurance packs. Like any other business, tradies are also exposed to these risks which can be managed. We can help you get:
Common covers in Flooring Contractor Insurance Package
Flooring Contractors Insurance Quote
With CoverTradie you get
Solid Insurance Cover
Get peace of mind that you & your family are well covered
Affordable Pricing
Save money for the new ute, boat or for financial investments
Great Service
Professional insurance work, done quick and explained in plain English
Just like ordering an Uber, it’s as Easy as…
Quick Phone Call
To get some basic info about your business.
Get Your Options
We do the heavy lifting of finding the right insurance for you.
Pay And You Are Done
Monthly or Annual Payment Options.
Avoid
- Insurance doubts
- Getting ripped-off
- Unpaid claims
Get
- Clarity of cover
- Sharp pricing
- Managed Claims
Flooring Contractor Insurance – Common Complaints
Vast Majority of the tradespeople including flooring contractors complain about:
- Confusing, technical jargon used by the insurance industry
- creating uncertainty about what insurance is required
- which insurer is right for their trade – they all add slightly different conditions and exclusions
- High cost of insurance – Is the price charged a good deal, average or rip-off?
No need to worry…
We have helped many tradespeople get the right cover with full understanding and savings of course.
Getting the right cover is a simple exercise in understanding what risks are you exposed to and what insurance options are available to manage those risks.
Not every person needs every insurance policy.
The complexity and size of your business determines whether you need just a public liability insurance or a full insurance program with many different types of policies.
Liability Insurance For Carpet Installers
Public Liability Insurance
The fundamental insurance that you should have as a small business operator whether trading as a sole trader or as a company.
Most likely people and other businesses you work with will ask for a certificate of currency for your insurance policy.
This insurance protects you from financial losses should someone make a claim against you for damaging their property or causing someone an injury or someone’s death.
For example: you’re replacing floor boards at a granny’s home and her inquisitive nature gets her checking out your craftsmanship, tripping over your tool box and breaking her fragile and brittle elbow. Her scary son now wants compensation.
Public Liability Insurance comes good here.
Key Exclusions & Conditions for Flooring Contractors
Fortunately, the Flooring contractors don’t have a lot of exclusions usually and the ones that are there are not that harsh. Lets look at them:
Every insurance policy comes with certain exclusions and conditions. A very important component of a properly set up insurance policy because left unchecked, these conditions could be the difference between a successful or an unsuccessful claim scenario for an insured customer.
Labour Hire/Subcontractors Endorsement
Would you be utilising the services of subbies? For you it might be not that important a question but for insurers it is. There are reasons behind why insurers pay a huge importance to this. To avoid personal injury claims to subcontracted labour, insurers tend to put a very high excess.
Common area exclusion – high foot traffic settings like malls, shopping centres etc.
As you can imagine, personal injuries to members of general public are easy in a shopping centre setting where people in their relaxed mindset mayn’t be paying much attention to the risks and hazards.
There could be little kids running around crazy, unsupervised whilst their mum & dad have got their attention hooked onto shops and cafes.
Insurers don’t like that and often put an exclusion. If you are going to be doing such work, then this is important.
Silica or Dust Exclusion
As you can imagine, the severity of claims that arise out of issues caused by inhalation of silica are huge as such some Insurers don’t really want to take on any risk of claims that arise due to that.
Flooring Installer Insurance Cost
Whether you are just starting out or an established business it pays to know whether the price being offered to you is a good deal, a rip-off or somewhere in the middle.
Some Basic Pricing
If you are just starting out, you might be after some basic coverage like $5 Million limit on your General Liability Insurance to save on costs.
Fortunately there are some good bargains to be taken.
We’ve observed that a startup Flooring Contractor business with a turnover estimate of $100,000 can expect to pay between $430 – $475 depending on which state you are in.
| State | Bargain Premiums |
| WA | $429 |
| SA | $437 |
| VIC | $444 |
| QLD | $475 |
| NSW | $476 |
Need a higher limit?
Not everyone takes up the lowest limit of $5 million. There are some who need more, many take up the $10 million limit and if you work as a subcontractor to another business, most likely you will be asked for a $20 million limit.
This is because your head contractor’s policy conditions will most likely require all sub-contractors maintain an equivalent limit Public Liability Insurance.
How does that compare to other trades?
Among the common trades, flooring contractors are in the mid range when it comes to insurers pricing them. High risk trades tend to get charged higher.
Business Growing Fast?
When your business grows, so does the risk. Insurers know that and they increase the price of insurance. The chart below shows what prices could look like as your business increases in turnover and staff.
Long story short, you want someone who understands the trades insurance so that your policy can be set up properly that is suitable for you and also at a price point that doesn’t break the bank. Give us a call!
Flooring Contractors Insurance Claims
Insurance for Flooring Specialists
Get affordable flooring contractor insurance for the following business activities:
- Vinyl flooring
- Floating timber flooring
- Timber floor sanding and polishing
- Epoxy flooring and more
Note: We also offer Carpet Layers Insurance
Flooring Contractors Insurance Cost Comparison
Cover Tradie Insurance Brokers are keen to find you the most competitive insurance out there that provides you the cover that you need.
The goal of every customer usually is to do a good Flooring Contractor Insurance Comparison before making the decision. You can also do that by going from insurer to insurer yourself. Its not rocket science, it just takes time.
Or, you could ask us, with our experience we’ve learnt which insurers to go to and what to look for when setting up policies.
We’d be delighted to help you get just the right insurance for you.
Flooring Contractor Public Liability Insurance
Avoid under-insurance and save money on your Public Liability Insurance
There are countless stories of badly set-up Public Liability Insurance policies that are confusing to understand, full of exclusions and way too expensive.
CoverTradie has a simple process that cuts through the insurance industry red-tape to get you hitting the insurance “sweet-spot”. This means you are never under-insured or paying too much for your insurance.
3 Things You Should Focus On When Getting Your Flooring Contractor Public Liability Insurance.
Coverage
Your exact Occupation must be displayed on your policy.
Exclusions
Sneaky little things that must be avoided. Check those.
Affordability
Low prices and an ability to pay monthly.
Best Flooring Contractor Insurance – Why choose CoverTradie?
Avoid
- Insurance doubts
- Getting ripped-off
- Unpaid claims
Get
- Clarity of cover
- Sharp pricing
- Managed Claims
Flooring Contractors Insurance Reviews
See what our customers are saying…
I have been extremely impressed with the service we have received using CoverTradie.
We recently had an unfortunate break in at a property my business styled for sale. Our previous experience with insurance brokers had been terrible and took 6 months to get a simple claim approved for us. This was not the case with CoverTradie.
The claim was approved in a day, the process was extremely simple and efficient and the customer service was exemplary. It was such a relief to have such an easy process and we were so pleased we had changed to CoverTradie to be our insurance broker.
Due to this excellent service, I have also engaged CoverTradie to do the insurance on my personal property and contents insurance, as well as the contents insurance for my business and car insurance for my business.
I could not recommend their services more. They provide a smooth, stress free and highly efficient service that puts me as a business owner (and home owner) at complete ease.
We are very happy with the service and professionalism of Cover Tradie.
We know that our business insurance needs have been taken care of and that we are in good hands with the policy that has been selected for us.
We whole heartedly recommend any trades businesses out there looking for insurance to go with Cover Tradie.
CoverTradie was great at ensuring our plumbing business gets the right cover! They were responsive and gave us all of our options! Super reliable and easy to work with!
Frequently Asked Questions (FAQ) Flooring Contractor Insurance
Can I pay insurance via monthly instalments?
Yes, we can organise a premium funding arrangement so that you can pay your premium in monthly instalments.
Does this insurance cover my employees?
It depends what the issue is! If one of your employees has caused a damage to a third-party on a job site, then yes, the public liability policy should responds. If however your employee has got hurt at a job site, then your workers compensation policy should respond or your group personal accident insurance if you have taken one.
Are subcontractors covered under my Flooring Contractor Insurance?
Work done by subcontractors needs to be notified to your insurers, usually the total amount expected to be paid to the subcontractors and whether subbies have their own insurance policies or not.
Are my tools covered?
If you have taken out General Property cover or Tools insurance then you should be able to make a claim, depending on the terms and conditions and the limits of the policy. Talk to us and we can help you get the right insurance.
Are my tools covered if they are stolen from my vehicle?
As above, theft of tools from vehicles is covered under a General Property policy. Give us a call on 1300 190 535 to discuss.
Is my work trailer covered under insurance?
Trailers need to be insured under a motor vehicle policy, its not covered under your public liability insurance.
Am I covered for work not related to my occupation?
Usually the answer is no in 99.99% cases but let us know if you would like to discuss. Give us a call on 1300 190 535 or Get a Quote By Email.
Affordable Flooring Contractors Insurance Australia
No matter where you are in the country, we can sort out your Flooring Contractors insurance.