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Flooring contractors insurance

tailored to your business needs

Get specialist flooring contractors insurance designed to cover your business’s risks through the specialists at Darwin Clayton. To discuss your business’s insurance needs or to get a flooring contractors insurance quote, call us on 01892 511 144 or follow the links below.

Why get flooring contractors insurance through Darwin Clayton?

By working with the Contract Flooring Association (CFA) as a specialist consultant member and some of the UK’s leading insurers, Darwin Clayton has a deep understanding of your industry and your insurance needs. Our flooring contractors insurance has been designed to cover the unique risks you face and offers you:

As you can see from the following client testimonial, your business insurance is in excellent hands with Darwin Clayton:

"We are very happy with the service we have received from the team at Darwin Clayton. They are extremely helpful, and I would gladly give a glowing recommendation on how they have supported us with our insurance requirements”.
Zach Jefferson
Lincolnshire Flooring

What is flooring contractors insurance?

Flooring contractors insurance offers financial protection against losses your business incurs through its day-to-day operations. The exact level of protection will be dependent on things like the services your business provides and whether you have any employees. However, standard covers include:

What does insurance for flooring contractors cover?

Every flooring contractor business is unique, and your working environment and the services you provide will affect the make-up of your flooring contractors insurance quote.  At Darwin Clayton, our friendly team of professionals can tailor a policy specifically for your business’s needs. We arrange insurance solutions for flooring contractors, and we understand your industry. Our flooring contractors insurance includes policy covers such as:

As an employer, you are responsible for the health and safety of your employees whilst at work. Employers’ liability insurance (EL insurance as it’s also known) of £5m is a legal requirement if you have any staff. Businesses that hire people without having this insurance cover can face fines of up to £2,500 for each day they are uninsured. If your employee is injured or becomes ill because of the work they do for you and they bring a claim for compensation against your business, you will be protected.

Public liability for flooring contractors covers your business if you or your employees are held liable for accidental injury to your clients, customers, or the public or for damage to their property because of your business’s activities. 

The flooring contractors’ insurance we arrange includes an extension of cover for damage to property being worked upon. So, if you accidentally damage a floor you are working on, this will protect you against the cost of repair or replacement. Not all policies offer this level of protection.

If the products you supply to customers cause damage or injury, you could be held liable in the event of the claim. 

If a product you supply fails to perform its intended function, this could result in disastrous consequences and significant losses for your clients. Product inefficacy insurance for flooring contractors will protect your business from the resulting claim investigation, defence, legal proceedings, and compensation.

This cover provides protection against loss of money, stock or property sustained from the dishonest or fraudulent act of an employee. 

If you’re entrusted with a client’s keys, and you lose them, this will cover the cost of replacing the keys and a change of locks if necessary.

Financial loss insurance covers your business against losses which you become legally liable to pay as compensation, plus costs and expenses for accidental financial loss where no damage has occurred.

As with any insurance policy there are terms and exclusions, we will discuss this with you during the quotation process.

Are there any optional covers for flooring contractors insurance?

Depending on the nature of your work, you may need to add some optional covers to your flooring contractors insurance quote. Options for these include:

if you offer any design, consultancy or advisory services, then professional indemnity – or PI insurance – is important for protecting your business.  Professional indemnity insurance protects you against claims for loss or damage made by clients or third parties over negligent advice you have offered.  This cover is often a contractual requirement with your customers, even when you do not provide any consultancy or advice. 

Covers your office contents, computer equipment, trade plant and machinery, stock, and buildings. 

Covers financial losses following an incident such as fire or flood, protecting your business should you incur additional costs to continue trading to your previous level.

This covers the value of the work being carried out prior to completion of the contract.  It insures the works against accidental loss, damage, or destruction.

Covers damages to plant and tools that you own whilst at the contract site, in transit or at your premises. 

This covers damage to the plant hired in by you whilst at the contract site, in transit or at your premises.

This covers physical loss or damage to tools belonging to employees, principals, partners, or directors within territorial limits.

typically cover financial loss caused by theft or physical attack, providing protection for money and financial assets while in transit or on the business’s premises. This cover helps in situations where theft, robbery, or violent attacks occur, offering compensation for losses incurred during these events.

This covers the value of your goods in transit to your customer’s premises.

This covers physical loss or damage to specified plant, equipment, or stock anywhere in the UK.

With the many risks faced by businesses, seeking legal advice and formulating legal documents, such as employment contracts, can be time-consuming and expensive when the services of solicitors and other legal experts are engaged.  Legal expenses cover not only offers the services of legal representation but also provide free legal advice on a range of legal problems and access to a suite of helpful documents.

This cover will protect your business from losses and damages resulting from acts of terrorism.

Does Darwin Clayton offer any additional policies to protect your business?

To meet the exact requirements of your business Darwin Clayton can arrange a wide range of additional covers.

Cyber-attacks in the UK are on the rise. According to the 2023 Cyber Security Breaches Survey conducted for the UK Government, more than half (59%) of medium-sized organisations reported experiencing a cyber security breach or attack within the past 12 months. That’s why considering a cyber insurance quote becoming more important for a modern business.

Also known as directors & officers or D&O insurance. Management liability insurance for flooring contractors covers the cost of any compensation claims made against your directors, officers, or high-ranking management for alleged wrongful acts. Claims could be made by disgruntled employees, clients, investors, stakeholders, and even regulators and could involve civil, criminal, or regulatory proceedings. A management liability policy can also cover any legal costs that arise for directors in defending their case.

This insurance cover includes three core elements: 

  • A separate cover for your computer equipment
  • Contractors plant covers your machinery such as a cherry picker or MEWP
  • As your equipment should be inspected regularly, this policy covers you for statutory inspection service

This cover offers you a loss adjuster to work on your behalf to investigate and present your property and business interruption claim to the insurer. This cover can be invaluable if your business suffers a serious loss following a flood or fire. 

If one of your employees has an accident, and it leads to temporary or permanent disablement, or even death, a benefit payment will be made. Business travel can also be added to this cover.  

  • Motor fleet insurance covers your multiple vehicles on a single policy. It can be a mix of vehicles, including vans, cars, and trucks.
  • Uninsured loss recovery insurance pays for a solicitor to pursue a guilty third party for recovery of your uninsured losses such as policy excess, hire vehicle charge, loss of earnings; as well as costs to pursue a personal injury claim
  • GAP insurance will cover the outstanding balance of a finance or lease agreement on your motor vehicle following its write-off or up to 25% of the write-off value.

If a customer fails to pay you for services or products, whether it’s due to insolvency, refusal, or inability to pay, credit insurance will indemnify your losses. The insurance will also provide insights into customers credit ratings and what limits of credits to offer. 

Performance bonds are a type of surety bond and are written promises to pay for direct loss of damage suffered by third party as a result of a breach of contract. Performance bonds are typically issued for 10% of contract value and are common with construction projects to protect the employer against the contractor failing.

Flooring contractor insurance FAQs

Getting the right insurance is crucial for flooring contractors. To help you do that, we’ve put together a list of frequently asked questions about insurance for flooring contractors. We hope you find these answers useful. However, if you require further guidance, please call us  on 01892 511 144 and our team of friendly insurance professionals will be happy to help.

 If your business has employees, then you are legally obliged to have at minimum £5 million of employers’ liability insurance – that is a legal requirement.

Your specific insurance needs may vary depending on the services your flooring business offers and your client’s needs. Some of the typical covers we arrange are public liability, employers’ liability, product liability, professional indemnity, property and business interruption insurance.

Because accidents happen. Accidental damage to a client’s property, injury to a third party, stolen or damaged equipment and other unexpected events could make your business lose money, result in lost business opportunities, or affect your business’s operations. A good flooring contractors’ insurance policy provides cover should these situations arise, protecting your business from legal and financial liabilities.

Getting a quote is easy. You can call us on 01892 511 144 and our team of professionals will help you find the protection you need or start your quote here. At Darwin Clayton we understand your needs, and we will work with you to arrange insurance cover to suit your flooring business’s requirements.

That will depend on the level of protection your business requires, your annual wages and turnover, what equipment you have, your claims history, etc. If you would like to get a flooring contractors insurance quote, call us on 01892 511 144 or start your quote here.

Like some more flooring contractors insurance help?

If you’d like some help with your flooring contractors Insurance, please give us a call on 01892 511 144. Our experienced team of insurance advisors will be happy to help you get the protection you need and offer you a flooring contractors insurance quote.