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A Flooring Contractor Insurance
Finding The Right Insurance For Your Flooring Business Is An Important Step In Protecting And Growing Your Business. KYC Insurance® handles all your Insurance needs!
What Does a Flooring Contractor Do?
A flooring contractor prepares any surface for the installation of flooring and flooring, and installs carpet, resilient sheeting, resilient tile, hardwood floors, and flooring (including finishing and repairing any of the above) and any other material established as flooring and floor covering material, except ceramic tile. Every residential and commercial building has some type of floor covering installed. Typically, floor covering includes carpet, tile, laminate, and hardwood floors.
What Insurance Coverage Do I Need As A Flooring Contractor?
Floor covering installers spend much of their day kneeling or sitting on the floor using tools that could cause serious injury if an accident occurs. Installers also lift and carry heavy packages of flooring products around the job site that could cause back and neck injuries. Floor covering contractors should consider an insurance coverage package to protect them financially when an accident occurs.
Here are some of the coverages for a flooring contractor:
Protect your business if you or one of your employees have caused injury or harm to another person while driving a commercial vehicle or while driving for business purposes. It also protects your company vehicles against damage or theft.
Your work truck crashes into another vehicle on the way to electrical work. The other driver is injured and sues your company.
Your company truck is stolen from the parking lot in front of your company.
To cover the many hazards that arise in the workplace, low-voltage contractors must ensure they have a business liability policy for the necessary financial protection if you are liable for personal injury or property damage. Most state licensing authorities will require this coverage before issuing a license to conduct business.
If your state requires a license to operate a satellite dish installation business, it will generally require a bond before issuing a license. The bond will serve as a financial guarantee for the licensing authority and its clients.
The contractor will need various tools and equipment while working on the job site. Ensuring that this valuable equipment is covered in case of damage or loss is the best way to protect your business from the cost of replacing this equipment. Your coverage will provide coverage while your tools and equipment are at the job site, in transit, or in storage.
Workers’ compensation insurance will protect your business and your employees in the event they are injured on the job or contract a work-related illness. Having this coverage will satisfy your state’s requirements for obtaining a license to operate. Accidents are likely to happen, and your workers’ compensation will be available to pay for medical expenses and lost wages.
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NOTICE: Some policies may take longer depending on current status and other special considerations.
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