Flooring contractors insurance
Join over 900k UK customers (including over 2,500 flooring contractors) – we offer public liability cover from £4.74*
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![Flooring contractor installing wooden flooring in an attic conversion](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/flooring_contractor.jpg?w=1024)
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
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.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
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 £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example flooring contractor insurance quotes, real prices
![](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/churchill-1.png?w=129)
£10.31 /month
£83.08 /year
A self-employed flooring contractor working in residential properties in the local region
- 1-2 years’ experience
- Sole trader
- No employees
- Based in Edinburgh
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
![axa](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/axa.webp?w=66)
£78.37 /month
£696.60 /year
A small floor contracting firm working across the UK on projects for residential and commercial properties, using fixed woodworking machinery
- 5+ years’ experience
- Limited company
- 1 employee
- Based in Newcastle upon Tyne
Public liability
£2,000,000
Employers’ liability
£10,000,000
Tools
£5,000
How we work out example quotes These examples are real quotes from our online system (created 09/06/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
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 cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
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.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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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.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
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.
Insurance payout
£9,066.00
Covering the cost of accidental damage
Insurance payout
Covering the cost of accidental damage
Covering the cost of accidental damage
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
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.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
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