Insurance for Flooring Contractors

Specialist insurance for flooring contractors and installers working across domestic, commercial and construction environments.

Whether you work independently or manage a larger flooring business, we can help arrange cover around the projects you undertake.

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Tailored Cover for UK Trades & Contractors

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Flooring Installer Insurance

CHAS Insurance is a national broker arranging specialist business insurance for flooring contractors and installers across the UK.

Flooring work often takes place within finished or occupied properties. Damage to surfaces, fixtures or surrounding areas can lead to costly claims, particularly on larger commercial projects.

Your insurance needs will depend on the flooring you install, the environments in which you work and whether you employ staff or subcontractors.

We will take the time to understand your business before arranging cover.

Contact CHAS Insurance today to arrange flooring contractor insurance.

Our Simple Three-Step Process

Answer Questions
You’ll receive a series of questions to answer to give us more information.

We’ll Be In Touch
We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Business Insurance for Flooring Contractors

Flooring contractors may install carpet, vinyl, wood, laminate, resin or specialist commercial flooring.

The risks can vary depending on the materials used, the size of the project and whether work is completed in homes, offices, retail premises or active construction sites.

CHAS Insurance arranges cover for self-employed installers, small flooring teams and established contracting businesses.

We will also review how employees and subcontractors are used within the business.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Flooring Contractor Insurance Cover?

Flooring contractor insurance can combine several covers within one wider policy.

The right arrangement will depend on the work you carry out and the contracts you take on.

Public Liability Insurance for Flooring Contractors

Public liability insurance protects your business if your work causes injury to another person or damage to their property.

This could include damage during installation or someone tripping over materials or equipment.

Employers’ Liability Insurance

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

It covers claims from employees who are injured or become ill because of their work.

Contractors All Risk Insurance

Contractors all risk insurance can protect work in progress, materials and certain equipment while a project is underway.

It may be useful where your business remains responsible for installed flooring before handover.

Tools and Equipment Cover

Tools cover can protect cutters, sanders, fitting equipment and other essential items against theft, loss or damage.

The insurer will need accurate values and details of where equipment is stored.

Professional Indemnity Insurance

Professional indemnity insurance may be relevant if you provide specifications, technical advice or recommendations on flooring systems.

It can protect the business if an error in that advice causes a client financial loss.

Supporting Accredited Flooring Contractors

CHAS Insurance works with contractors that need to satisfy schemes including CHAS, Constructionline and SafeContractor.

Commercial clients may also request proof of insurance before allowing work to begin.

We can help arrange the required cover and documentation.

Get a Flooring Contractor Insurance Quote

CHAS Insurance arranges insurance for self-employed flooring installers and established flooring companies across the UK.

Your cover will be built around the work you undertake and the risks faced by your business.

Speak to our team today for a tailored quotation.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is flooring contractor insurance a legal requirement?

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

Other covers may be required by clients or principal contractors.
Do flooring installers need public liability insurance?

Public liability insurance is strongly recommended because flooring work can lead to claims involving injury or property damage.

Commercial clients may also ask for proof of cover.
Can flooring insurance cover tools and equipment?

Tools and equipment cover can usually be included, subject to the insurer’s terms and security requirements.

You should provide accurate replacement values when arranging the policy.