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Comprehensive Coverage For Artisan Contractors
Flooring Contractor Insurance
Owning a flooring contracting business can be hectic and stressful. Whether your clients are residential or businesses, you must manage the schedules, manage your employees, keep on top of your supply lines and keep everyone informed of the progress as you go. Make sure your flooring installing business is not taking on more risk than it should be getting the right amounts and types of small business insurance coverage.
General Liability For Floor Installers
$36 A Month
General liability insurance is an important insurance for flooring contractors and installers to have. It protects your company from a number of potential hazards, accidents, disasters and claims. General liability covers the damages if a customer receives a bodily injury while at your work space for example, and it covers a customer’s property damage claims as well. General liability is particularly important for your flooring installation contract business in the event that products you sell to your customers harm them in some way.
Business Owners Policy (bop)
A business owners policy (BOP) provides you with general liability coverage in addition to numerous other insurance options that are important to the operation of your flooring installation company.
- Equipment Breakdown – If your flooring installation equipment breaks down you will lose time and money waiting for repairs. You may even have trouble paying for the cost of repairs if they are expensive. A BOP can help cover those costs so you lose as little as possible.
- Buildings and Contents – The offices, workshop and storage buildings you use in your business are subject to damages and destruction when natural disasters arrive. Any improvements you’ve made, or tangible equipment you have inside can also be damaged or destroyed. A BOP covers you for these types of risks.
- Business Income and Extra Expense – When damages to your business buildings and assets happen you may find you have many extra expenses. You might have to rent temporary office space or shut down your business for a time until repairs are made. A BOP can help with those expenses and provide for lost income.
- Products and Completed Operations (Included in General Liability) – If you sell flooring products to your customers that eventually harm them in some way, a BOP can cover the damages. Similar coverage exists to protect you against future claims against work you have already completed.
- Electronic Data – A BOP can cover the expenses involved with recovering or repairing important digital data for your company, such as specialty software and electronic contracts.
- Newly Acquired or Constructed Buildings – A BOP can cover new buildings as your company grows.
- Employee Dishonesty Coverage – Flooring contractors trust employees with expensive supplies and installation equipment. If an employee takes any of those items for their personal use, your company suffers financially from the losses.
BUsiness Auto Insurance For Floor Installers
Protect your floor installation company vans and personal vehicles that you use for business with a commercial auto insurance policy. This pays for repairs or replacement if your work vehicles are ever involved in an auto accident.
WORKERS COMP Insurance For Floor Installers
When you have one or more employees at your flooring installation firm, the law states that you must protect them with workers comp insurance. Workers comp pays an employee’s medical bills and related expenses if they are ever injured while on the job.
Surety Bond For Artisan Floor Installers
Surety bonds provide a guarantee that you will complete work according to the contract you signed. It may guarantee a finish date, a set cost or other aspects of your contract.