Flooring Installation
Workers' Compensation Insurance


We've developed affordable insurance programs for Flooring contractors.

Let's Shop Coverage

Prefer to speak with A Workers' Compensation Specialist?


Give us a call today at 888-611-7467

Workers' Comp Coverage for Flooring Contractors

We've been helping residential and commercial flooring installers find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That's why we've developed programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing floor installation coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Flooring Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp and GL in most states throughout the United States

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for floor installers.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates flooring insurance packages and workers' comp coverage.

The Hartford

Benchmark Insurance Company is a mono-line workers comp carrier doing business in most states.

Benchmark Insurance

Benchmark ia a fast growing carrier expanding into most states. Flooring contractor insurance in an industry target.

Benchmark Insurance

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for carpet and tile contractors.

Travelers Insurance

ICW Group is a national insurance company that quotes workers comp in most states.

ICW Group

ICW Group offers great coverage for all types of flooring contractors including hardwood, tile and carpet.

ICW Group

Liberty Mutual Workers Compensation Insurance Quotes

Liberty Mutual

Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on select class codes.

Liberty Mutual

PIE Insurance began offering competitive rates on work comp in 2019 and are expanding fast.

PIE Insurance

PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.

PIE Insurance

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the construction industry.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
Shop coverage like a Pro.

Start a Quote

Workers' Compensation Class Codes Related to Flooring & Installation

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Class Code 5348 | Flooring- Ceramic Tile

Class Code 5437 | Flooring- Wood Floors

Class Code 5478 | Flooring- Carpet & Laminate

Businesses primarily engaged in installing or laying a variety of flooring materials including carpet, laminate, tile, stone and hardwood surfaces. Work may be done in a commercial or residential basis. Services may include new work, additions, alterations and repairs.

Class code 5437 may include detailed trim and carpentry work as well as the installation of hardwood flooring that requires cutting, sanding and attaching of the hardwood to sub-floor surfaces.

Alternative State Class Codes for Flooring:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
9521 | Carpet, Laminate, Hardwood California / Michigan / New Jersey / New York
670 | Carpet, Laminate Flooring Delaware / Pennsylvania
5102 | Carpet & Laminate Texas
668 | Tile & Stone Installation Delaware / Pennsylvania

Synonyms: List

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Flooring Insurance Coverage

A lot of flooring contractors are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of earth moving business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing flooring insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Flooring Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Lower Your Flooring Insurance Costs

The cost of business insurance has been increasing for flooring contractors. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance packages for our customers. Ask about our package insurance options for contractors:

  Workers' Compensation and Employers Liability

  Excavator Liability Insurance

  Personal Property and Commercial Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.


Get Started Now

Start a quote online or give one of our experts a call at 888-611-7467.

How Much Does Flooring Insurance Cost?

The average rate our customers pay for workers' compensation under the flooring class code is between $4.05 and $5.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,150.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and Emod will affect your cost
  • The type of flooring installed can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates for flooring are based on payroll (rated per $1000)
  • Gross revenue may affect pricing
  • tools and materials used matter to underwriters
  • Prior clams and years in business affect pricing
  • Flooring SIC codes-1747, 1751, 1752
There's good service.
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
Feefo Gold standard award for exceptional customer service.

How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

Ready to Start Your Quote?

Don't settle for cookie-cutter rates

Have an Agent Contact Me
  • Secure
  • Fast
  • Easy

*Required

Talk With a Work Comp Specialist
  • Free Consultation
  • No Obligation

1-888-611-7467


Start Your Quote Online Now
  • Shop Like a Pro

Start a Quote
Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

Copyright 2020 Workers Compensation Shop.com. All rights reserved.
California DBA: I-Shop Online Insurance Agency.
Top rated insurance agency- BBB. Pay for workers comp insurance with a credit card. Workers Compensation Shop on Facebook. Workers Compensation Shop on LinkedIn. Workers Compensation Shop on Twitter.