Insurance for Flooring Installer

  • Public Liability and Tool cover
  • Pay by the month and policy documents emailed instantly
  • Trusted by over 220,000 Australian small businesses

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Why do flooring installation contractors need insurance?

Flooring installers are essential to the building and construction industry. Customers rely on your expertise to install tile, laminate, carpet, and timber flooring that make their spaces beautiful, comfortable, and functional.

But who can you rely on if things go wrong?

Anything can happen when you’re working in clients’ homes and businesses. Injuries, accidental property damage, and stolen equipment are just a few reasons why flooring installers get business insurance to protect themselves, their business, and their clients.

BizCover makes it easy for flooring businesses and sole traders to find business insurance that fits their needs. Get quotes, compare cover and save in about 10 minutes—it’s that easy!

Did you know?

Public Liability insurance is often required to enter work sites or be hired as a subcontractor. You may be required to show proof of your insurance before you can start work.

What types of insurance do flooring businesses need to consider?

A flooring installer might add these types of insurance to their cover toolbox:

Public Liability insurance*

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.

A simple accident, like setting your toolbox in the wrong place, could result in an expensive claim or lawsuit for your flooring business. Public Liability helps shield your finances against bodily injury and property damage claims made by third parties.

Business Insurance*

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

Common types of cover that flooring installation contractors might add to their Business Insurance package include:

Portable Equipment*

Portable Equipment (or general property) insurance can cover specified items such as tools, business equipment or electronic items, or unspecified items of lower value.

Your tools are an essential part of your flooring business. Portable Equipment cover can help you repair or replace your tools and equipment if they are damaged, lost or stolen.

Business Interruption*

Business Interruption provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It’s designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Sometimes work needs to stop through no fault of your own. Business Interruption cover can help flooring installers pay the bills until they can get back to work.

Personal Accident and Illness insurance*

Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment).

Your bills don’t stop just because you’re injured or fall seriously ill. Personal Accident insurance, a type of personal injury cover, can provide much-needed financial support while you recover.

Who needs flooring business insurance?

The Australian housing market is booming, putting flooring installation services in demand. Flooring installation contractors may need business insurance to cover services like:

  • Carpet laying
  • Timber flooring installation
  • Timber floor sanding and polishing
  • Epoxy floor coating installation
  • Stair installation
  • Flooring distribution

How much does flooring insurance cost?

Every flooring business is different. Insurance companies consider many factors when calculating policy premiums, so there’s no one answer for what flooring insurance costs. These factors may include:

  • The size of your flooring business or annual revenue
  • The activities covered by the policy
  • Who is covered by the policy, and their qualifications
  • The amount of cover you want or need

Comparing multiple insurance quotes from different insurers is one way to learn how much you can expect to pay for your flooring installer insurance.

How to get flooring contractor insurance

Ready to protect your flooring installation business? BizCover offers insurance tailor-made for flooring installers!

Compare quotes online or over the phone from selected leading Australian insurers and choose cover that fits your business needs. Get instant cover and policy documents sent right to your email. It takes as little as 10 minutes from start to finish—how good is that?

Frequently Asked Questions

Many sole traders choose to protect their flooring business with different types of business insurance. The policies you choose may depend on how you run your business and the services you provide.

Public Liability, Business Insurance, and Personal Accident and Illness are just some of the policies you may choose as a sole trader flooring installer. These, as well as other types of cover, can help shield your business and personal finances from expensive claims, lawsuits, and unexpected bills.

Public Liability insurance is essential for many flooring installers. It may be necessary to work with certain clients, particularly if you are hired as a subcontractor for another company.

If you lease commercial space for your business (such as a workshop, warehouse, or office), Public Liability may be required. Your landlord will likely request proof of your insurance before they agree to lease their premises to you.

Yes! Portable Equipment cover, an optional part of many Business Insurance Packs, covers the tools and equipment you need to get the job done.

As a flooring installer, your tools are vital to working safely and efficiently. Paying for repairs or replacements is sometimes necessary but can also be very expensive. Portable Equipment cover can help pay to repair or replace your tools and equipment if they are damaged, lost or stolen.

With BizCover, getting certificates of currency is easy. Simply log in to our self-service portal to request an instant copy of yours.

The self-service portal also allows you to manage your policies online. You can amend your cover, update payment details, and more any time you like!

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This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
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