What is flooring contractor insurance?
Get a tailored quote to protect your flooring contractoring business
A professional flooring contractor, you need a reliable business insurance policy that will help you protect yourself and your business from risks associated with your trade. You may need a specific business insurance policy if you are a specialist floorer such as working within domestic or commercial buildings, or if you do restoration work. Whatever your speciality we can help you save time and money on your flooring contractors insurance policy and personalise your business insurance to your requirements.
At The Insurance Octopus, our personalised insurance policies are designed to allow you to add, remove, increase or decrease all areas of your policy. You will be able to customise your own low cost flooring contractors insurance to the way you want it, ensuring you have all of the essential cover you need in one simple business insurance policy.
What your flooring contractor insurance policy includes
Public Liability cover for flooring contractors
Public Liability insurance will help to cover your business if someone gets hurt or their property is damaged. Standard levels of cover are available from £1m, £2m, or £5m, with higher levels of cover available upon request and subject to terms and conditions of the insurer. Public Liability will protect you should there be a legal case for injury or damage.
Employers Liability cover
Employers Liability insurance is a legal requirement if you employ anyone or pay sub-contractors to complete works on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.
Contract Works or Contractors all Risks cover
Contract Works or Contractors All Risks cover will insure your construction works plus materials should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. An example of this would be if you are completing an extension and it is damaged or destroyed by fire; you would have to complete the work again. Contract Works cover will provide the protection you need in this instance. Contract works insurance is available as a single one off policy or as a yearly policy.
Plant and Tools cover
Plant and Tools cover will protect your tools of your trade whilst working on site such as a construction or building site.
Why you need flooring contractor insurance
There are many risks associated with being in a trade specific occupation, and there are areas of risk that you may need to consider when looking for business insurance. It’s important to get the right cover to protect your business.
Your flooring contractor’s insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need while working including liabilities and full tool and equipment cover. You also have the flexibility of having additional covers added to your policy to suit the needs of your business.
Comparing tradesman insurance
One of our tradesman insurance experts will discuss your business requirements with you and look to compare quotes from major UK insurance providers, ensuring that you get a bespoke policy where you only pay for the cover you need.
Arrange same day cover
Your trade specific cover can easily be arranged and we can look to provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions). We can also offer you a range of flexible payment options, including Direct Debit to help spread the cost of cover.
Why choose The Insurance Octopus for Flooring Contractor Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen - with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We'll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How insurance for flooring contractors works
Examples of Flooring Contractor Insurance in action
Cutting Corners Costs £2,000
A flooring specialist was contracted to lay a new floor in a section of a warehouse. The specialist failed to follow the specifications accurately and installed a new floor which wasn’t fit for purpose. Consequently, the floor needed to be replaced again, and this delayed the delivery of a new machine to the warehouse. The client ended up having to pay extra for third-party storage and transportation for their new machine due to the delays. These additional costs amounted to £2,000, which was met by the flooring specialist financial loss insurance.