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A flooring installer encounter many risks while on the job - potentially dangerous equipment, spontaneous combustion, electrocution, repetitive physical work and more. Flooring installers have to deal with excessive dust and contaminants such as lead and asbestos. There can also be risk of injury to customers who may accidentally get hit with flying debris or trip over flooring materials. The most important element of owning a business is ensuring you are protected. Selecting the right flooring installer business insurance policy requires a lot of thought about what kind of protection your business needs.
There are several suitable flooring installer insurance plans that you can choose for your flooring installer business. Most vendors and customers that you work with will want proof that you have adequate insurance to cover damage, theft and general liability. Picking the right flooring installer business insurance plan will ensure that you have everyone and everything covered.
If you are looking for the most comprehensive coverage for your flooring installer business, a general liability insurance policy is the way to go, as it protects against third-party claims of property damage, bodily injury and personal injury. If a customer sues your business because your employees accidentally damaged their property while installing floors, you’re covered. A general liability insurance policy protects you by covering any legal or settlement costs as well as the cost to repair the property.
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A business owners policy, also known as a BOP, protects your flooring installer business against an assortment of risks. The day-to-day work of a flooring installer involves dangerous equipment, strenuous physical labor and even hazardous environments. A BOP can cost you less because it includes general liability and property insurance coverage in one great package. This can be advantageous for smaller businesses that are trying to keep expenses down. Any liability claims, whether it is for property damage, bodily injury or personal injury, are covered under the general liability section, which also covers attorney fees and other court costs. Any damage, theft or other loss involving your business assets—which include your office space, flooring materials and equipment—would be covered under the property insurance section of the BOP.
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A flooring installer worker could suffer an injury while working, such as from flying debris that damages their eye, and having this insurance will ensure that their medical expenses and lost wages are taken care of while they recover. Workers compensation insurance is no-fault so your business is protected from being sued by your employee. Even if you have just one employee, your business must have a workers compensation policy in place.
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Driving around the city is a given for your flooring installer business as you and your employees have to work at different locations—both residential and commercial. Employees who are on the road a lot should have commercial auto insurance coverage because automobile accidents can happen. Your business will also be covered if the vehicle is vandalized or stolen.
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