You’re the last trade in.
Commercial insurance for flooring contractors of any size: a single fitter, or a firm with a warehouse and fitting teams out daily.
Flooring contractor insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is flooring contractor insurance?
Flooring usually goes in last, into a finished room, which means any damage you cause is to work someone else has just completed. Add adhesives, screeds and stock that’s expensive per roll, and there’s more exposure than the job looks like it carries, whatever the size of the firm. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Working in finished rooms
Everything around you is new, and damage to it is expensive to put right.
The people doing the work
Fitters on their knees all day, and the injuries that come with it.
The days you can’t work
If the warehouse is out of action, fits slip and the stock sits idle.
Who it’s for
Whatever you lay.
✓
Sole trader fitters
One van, domestic carpet and vinyl.
✓
Domestic flooring firms
Carpet, LVT and laminate in homes.
✓
Commercial flooring contractors
Offices, retail and public buildings.
✓
Resin & screed specialists
Poured and industrial flooring systems.
✓
Wood flooring specialists
Solid and engineered wood, sanding and finishing.
✓
Firms with a warehouse
Roll stock held in, fitting teams loading out daily.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, including to the finishes around you.
Employers’ liability
Required by law from your first employee onwards.
Premises & contents
The warehouse, unit or store you work out of, and everything in it.
Business interruption
If the warehouse is out of action, fits slip. This covers the trading you lose.
Stock & materials
Roll stock, boxed product, adhesives and screed in the warehouse or the van.
Tools, plant & equipment
Fitting tools, sanders, grinders and site equipment.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by flooring contractors at any size, from a single fitter to a firm with a warehouse and fitting teams. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Damage to finished work
Going in last means any damage is to somebody else’s completed work.
Adhesives and solvents
What you store affects how the premises risk is viewed.
Roll stock values
Warehouse stock is worth more than most people estimate.
Resin and screed work
Poured systems are a different exposure from laying product.
Every floor is different.
A domestic carpet fit and an industrial resin floor don’t carry the same risk. We ask different questions, and we’ll quote both.
Flooring contractors
Carpet fitters
LVT & vinyl
Laminate
Wood flooring
Commercial flooring
Safety flooring
Screeding
Flooring contractors
Carpet fitters
LVT & vinyl
Laminate
Wood flooring
Commercial flooring
Safety flooring
Screeding
Resin flooring
Industrial flooring
Floor sanding
Subfloor preparation
Sports flooring
Raised access floors
Floor levelling
Contract flooring
Resin flooring
Industrial flooring
Floor sanding
Subfloor preparation
Sports flooring
Raised access floors
Floor levelling
Contract flooring
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Warehouse stock, before we quote
A single fitter and a firm holding stock in a warehouse carry different property and stock exposures. We ask what you hold before we approach anyone.
02
Cover that reflects going in last
Damage to finished work is the claim that catches flooring firms out.
03
Certificates your contracts will accept
Principals and agents want proof before you start. We turn it round quickly.
04
We present the risk right
Work mix, stock values and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your flooring cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Going in last means any damage you cause is to somebody else’s completed work, which is where most claims come from.
Warehouse roll stock is worth more than most people estimate, so it’s worth valuing properly.
We approach insurers on our panel who write flooring risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Flooring questions, answered straight.
What insurance does a flooring contractor need?
Am I covered if I damage a newly decorated room?
Does my warehouse stock need covering separately?
Does resin or screed work change anything?
Can my vans go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.