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Coverage Plans Built For YOU!
General Liability (GL)
Essential Coverages to meet your client demands.
Coverage against claims from bodily injury, property damage and personal injury
Coverage for products/completed operations
General Liability (GL) + Professional Liability (PL)
Protect your business against service errors.
All Basic plan benefits and:
Retroactive claims (previous contracted work)
GL + PL + Workers Compensation*
Get protected against employment-related issues.
All Standard plan benefits and:
Coverage for work-related accidents and disease and subsequent:
Ongoing medical care (such as rehab)
Missed wages during recovery
*plus Workers Compensation
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Old Oak Insurance utilizes state of the art technology to help contractors understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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Frequently Asked Questions
Why do Flooring Contractors need insurance?
Insurance will provide financial protection to flooring contractors against many known and unknown risks. It will protect you from paying medical expenses when an employee is involved in an accident, costly lawsuit and legal action that could eventually force your business into bankruptcy if you pay out of pocket. The insurance will pay the covered expenses until it has reached the coverage limits. All it takes is just a small monthly fee to protect your business.
What risks do Flooring Contractors face?
The business you’ve worked to build can instantly crumble when you face risks without insurance. Here are some risks flooring contractors can face:
Your employee gets injured while installing flooring on customer property.
The chemicals your business used to install the floor makes your client sick and they sue your business for damages.
While tearing out existing flooring, your employee causes serious damage to the property.
These could cause tremendous profit loss if you don’t have the proper insurance to pay for losses.
How much does Flooring Contractor Insurance cost?
Without proper insurance, a single lawsuit could bankrupt your business. So how much does insurance cost? Usually, insurance companies will ask for various criteria like services offered, the number of employees and others to define the cost of your insurance. Without taking those into account, here are some rough estimates on what businesses usually pay:
General Liability Insurance costs around $400 to $900 in annual premiums.
Workers' Compensation costs around $1000 to $2000 in the annual premiums.
Professional Liability insurance costs around $600 to $1500 in annual premiums.