Compare Flooring Contractors Insurance
Flooring contractor insurance is an investment worth considering, as it protects you against public liability claims. What would happen if your work tools caused an injury to a client or a third party? Accidents will happen, and in most cases, these will result in a claim against you and your business.
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Why Do Flooring Contractors Need Public Liability Insurance?
This type of coverage protects you, your business, as well as clients and third parties from injuries and property damage that results from your business operations. Public liability insurance can protect you from these types of claims. Consider that these types of problems can happen any time, on any job. Can you and your company afford to pay for these claims directly out of the company budget?
As a responsible business owner, you need to have business insurance that protects you and your company from a wide range of risks that go with the services you provide. For instance, you may require specialist floorer coverage if you work in commercial and residential buildings. This can also apply if you do restoration work. Flooring contractor insurance protects you and your company from huge claims that could put you and your business in financial danger.
What Types of Insurance Does a Flooring Contractor Need?
There are a wide variety of insurance policies to choose from, but you may want to focus on a couple:
Public liability insurance: this type of policy protects you and your business from claims for injuries and/or property damage to clients and third parties. This coverage can also protect you against legal fees. Standard levels of insurance usually run between £1 million up to £10 million.
Employer’s liability coverage: this type of insurance protects your employees in case they’re injured or become sick on the job.
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Flooring Contractors Insurance FAQs
Do I Really Need Flooring Contractor Insurance?
While this type of insurance isn’t a legal requirement, consider what would happen if you and your business faced a huge claim. Accidents can happen anywhere at any time. Paying for damage, injuries, and legal fees can be horrendously expensive. If you can’t afford to pay these expenses out of pocket, then we strongly urge you to get flooring contractor insurance.
How Much Public Liability Insurance Do I Need?
This will depend on how much coverage you’ll need to meet claims when they arise. Consider the types of risks the company faces on a regular basis. And also include the size of your business when considering your level of coverage. Don’t forget to factor in accidents, damage, and theft, as well.
How Much Does Public Liability for a Flooring Contractor Cost?
This depends on a wide range of factors, which are seen as risks by the insurance providers, as well as the level of coverage you purchase.
Do I Need Employer’s Liability Insurance for One Employee?
Yes, you’re legally required to have employer’s liability insurance for one or more employees, with the minimum level set at £5 million.
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