Commercial industry
Flooring Contractor Insurance
Flooring contractors work on other people’s finished buildings. A adhesive failure, a moisture claim blamed on your install, or a scratched adjacent finish is a completed-operations and care-custody claim, not a theoretical products issue. The file is GL, an installation or tools floater, and often a license bond.
We place carpet, resilient, wood, and commercial tile installers. If your work is mostly terrazzo or marble as a specialty, tell us so we code it cleanly.
Risks we actually schedule
- Moisture and adhesive failure claims months after install.
- Damage to adjacent finishes, millwork, or customer furnishings.
- Materials sitting in a hallway overnight — theft and damage.
- License-bond and additional-insured demands from GCs and retailers.
Frequently asked questions
Does GL cover a floor that fails after a year?
Completed operations can, when the claim is property damage you caused. Your own work product is often excluded — which is why contract language and, for design-build, contractors E&O matter.
Are materials in the van covered?
On a floater or an installation policy, yes, if we schedule them. Not on a shop BOP once they leave the shop.
Do big-box install programs require special certificates?
Usually. Send the vendor packet. We match additional-insured and waiver language before you take the first ticket.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsSurety Bonds
License and permit bonds, contract bonds, and business service bonds for trades and service companies.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsPainting Contractor
Overspray, completed operations, and a license bond for commercial and residential-commercial painters.
Industry pageCarpenter
Finish and framing carpenters: GL, tools, a license bond, and the completed-operations file a handyman policy skips.
Industry pageCommercial General Contractor
GL, builders risk, auto, surety, and multi-state WC/stop-gap for commercial GCs — not a handyman policy.
Industry pageOregon
Licensed commercial insurance broker serving Oregon.
State page