Flooring contractors insurance

Get tailored quotes in 7 minutes

  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare tailored floor contractors insurance quotes from trusted brands
Flooring contractor installing wooden flooring in an attic conversion
zurich insurance
Axa logo

Why do you need flooring contractor insurance?

From other businesses on site to the materials you’re using, your trade brings specific risks – we’re used to working with them, insuring thousands of contractors across the UK. Flooring contractor insurance is built to be your backstop if an injury or property damage is blamed on your business, starting with public and product liability cover.

  • public and product liability between £1 million and £10 million
  • quotes start at £3.19 a month based on 2023 data
  • optional personal accident cover for your own accidents and injuries


Insurance for flooring contractors – what does it cover?

From damaging a client’s floorboards to employee injuries, insurance for flooring contractors can keep you protected against a range of risks. A public liability claim, for example, can run into thousands of pounds, especially where expensive materials are involved. We provide options for public and product liability, employers’ liability, tools, plant, stock and personal accident cover, plus legal expenses.


How much does flooring contractors insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.95 per month

Get tailored quotes in 7 minutes

Example flooring contractor insurance quotes, real prices


How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

Direct to
insurer

Highstreet
broker

Yes
No
Yes
Yes
Yes
No

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£68 million in claims paid out in 2024

Example claim

Having business insurance for contractors through Simply Business has saved professionals thousands of pounds when the unexpected happened.

Coren saved more than £9,000

Coren (not his real name) sent one of his employees to a large commercial job while he was on holiday. The employee damaged an induction loop while working, causing the client to raise a claim. The public and employers’ liability cover in his flooring contractors’ insurance took care of the accidental damage costs.



Flooring contractor insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about flooring contractor insurance. You can also check out our business insurance FAQs.

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers’ liabilityNo excessNo excess
Tools£60£500
Business and office equipment£50£750
Professional indemnityNo excess£2500
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider carpet fitter insurance or tilers insurance?

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions