Insurance for Flooring Contractors in Wisconsin

What does flooring contractors insurance cover?

Flooring contractor insurance is general liability insurance.  A very important part and is the primary or core insurance policy for your Wisconsin flooring business should buy.  Independent contractors that do flooring installation face large liability risks each time you walk on a job.  Hardwood floor installers, linoleum, carpet installers, pay attention.  Property damage claims can arise from your installation work.  There are several different limits of coverage, like $300,000/$600,000, $500,000/$1,000,000 and $1,000,000/$2,000,000, which is most common and highly recommended.  There can also be a property damage deductible.  This means you would pay the first say, $1,000, $2,500 or $5,000 if you were to be damaged something “other than” what you are were actually working on.  This should be taken into considered before purchasing your floor covering installation liability insurance policy.  General liability insurance covers your premises, products, operations and completed operation (once your work is done).  Feel free to click here for a more detailed definition on general liability insurance:

How much does business insurance for a flooring contractor cost?

We are an independent insurance agency or general insurance agency and believe shopping multiple Wisconsin insurance companies (for maximum savings) and working with an experienced contractor’s insurance agent is key to finding low cost rates for floor covering insurance.  Wisconsin flooring contractors, carpet installers might expect to pay $482.00 per year for a start up with one active owner.  The flooring installers general liability insurance is rated on payroll.  A set rate is applied to each active owner and then employee payroll is factored in.  So, if there are two active owners and they have two employees with $67,000 in payroll, commonly you will see $98,600 as the rating factor.  $15,800 for each owner (a set rate), then the $67,000, totaling $98,600.  Having a good claims history (loss runs/loss history), having years in the flooring business and the size of your operations can have a positive or negative effect on your flooring contractor’s business insurance premiums. 

Let us compare your Wisconsin flooring contractor insurance and help you choose wisely. 

Our goal is protecting your WI flooring contracting business, then we save you some money.  We do this by shopping multiple Wisconsin insurance companies to find you the very best protection and very affordable rates.  By bring multiple options to the table, giving you a choice in insurance plans.  Helping you customize a flooring contractors business insurance program that is not only cost effective, but right for your growing Wisconsin company. 

Contact Us for a Quote

We are ready to discuss your floor covering contractor business insurance and we will help.  You know the WI floor covering business and we know Wisconsin contractor’s insurance.  If you are looking for flooring installation insurance or carpet installers insurance in Wisconsin, you came to the right place.  We cover floor covering installers, carpet installers and more, much more. Read our BIO, then simply pick up the phone or complete the short form to the right.