Flooring Installation
Workers' Compensation Insurance
We've developed affordable insurance programs for Flooring contractors.
Let's Shop CoveragePrefer 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.
Improve cashflow and reduce the potential for big audit bills.
Get quotes from multiple insurance companies to ensure the lowest rates.
Our carriers have experienced claim managers to close claims quickly.
Our Top Flooring Insurance Companies
Markel is a national carrier. Markel offers exceptional workers' comp and GL in most states throughout the United States
Accident Fund Insurance Company of America has a direct focus on writing workers' comp coverage for floor installers.
The Hartford is a national insurance carrier with exceptional rates flooring insurance packages and workers' comp coverage.
Benchmark ia a fast growing carrier expanding into most states. Flooring contractor insurance in an industry target.
Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for carpet and tile contractors.
ICW Group offers great coverage for all types of flooring contractors including hardwood, tile and carpet.
Liberty Mutual is a national carrier. They write all lines of coverage and offer great workers comp rates on select class codes.
PIE Insurance Company is an A-Rated Carrier. They have been aggressive with rates and have a wide appetite.
AmTrust Financial provides exceptional value for many business types within the construction industry.
Shop coverage like a Pro.
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 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?
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
- 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.
- 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.
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
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- 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
- Secure
- Fast
- Easy
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
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