Floor layers and those contractors involved with other floor jobs need insurance coverage designed to protect the work they do.

Professional floor installers have intrinsic exposure to being the brunt of a bodily injury lawsuit in the event a slip and fall incident arises during or after floor covering has been put in.

In addition to the hazards of slips and falls, the work may be subject to environmental hazards in relation to floor adhesives or finishing containing dangerous chemicals. Moreover, jobs that entail removal of asbestos-backed linoleum or tile flooring present perilous risks.

A lawsuit is costly. The right type of insurance can pay for legal fees and medical bills, lost wages and other costs associated with liability for injury.

Important forms of Insurance Coverage

Among other business related insurance, the following forms of coverage are essential for the floor laying contractor:

• Installation floater insurance coverage
  
  
• General liability insurance coverage
  
  
• Workers compensation insurance coverage
  
  
  

Prime Insurance Agency’s Commercial Lines Department is eager to assist the floor-laying or floor-removal contractor with any questions about associated coverage. Schedule your no-obligation insurance consultation today.

PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: Floor laying and associated work is hard labor that requires quality workmanship and hands-on experience. Contractors face countless liability exposure that could lead to being the defendant of a costly lawsuit in the courts. Related insurance coverage protects from the all the risks.