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Flooring Contractor’s Insurance Edmonton

As a flooring contractor, insurance is essential for protecting you against the unique risks associated with your trade. Protect yourself from potential liabilities such as third-party injuries and property damage.

Proper insurance coverage is vital for Flooring Contractors in Edmonton and Alberta

Too often, insurance providers offer standard, packaged solutions they assume will work for all flooring contractors. Our specialists in construction risk will work with you to review your portfolio, identify any associated exposures and draw up a custom solution that’s suited to your unique needs. Whether you are a tradesperson working alone, a large construction firm or an independent engineer/architect, our over 30 years of in-depth experience in working with the contracting industry have given us the unique expertise to craft coverage that’s specific to you and your business.

Why do I need Flooring Contractor’s Insurance?

  • Protection for property, tool, supply and equipment losses due to fire, vandalism, theft and more
  • Protection for equipment breakdowns
  • Protection for liability losses due to injury or third-party property damage
  • Protection for errors and omissions
  • Protection for loss of income due to business interruption and more
  • Protection for automobile losses due to accidents and vandalism
  • Protection for cyber losses due to data loss, credit card breach and other digital threats

Flooring Contractor’s face unique risks

As a flooring contractor the risks you face are unique to you and your insurance should reflect that. Flooring Contractor’s Insurance will provide coverage for anything from property damage and injury to theft of tools or damaged product. When working with carpeting, tile, hardwood and vinyl flooring there are several risk exposures that need to be addressed.

Property Exposures:
  • Property exposure is due to the adhesives that may be kept on premises. The volume should be kept as low as possible and have proper labeling, separation, and storage in order to contain and reduce the fire potential. Carpeting scrap must be thrown out or stored in a limited and neat manner so as not to add to the fire load.
Inland Marine Exposures:
  • Inland marine presents three major exposures. The first is contractors’ equipment consisting mainly of employees’ tools. This is usually a low hazard exposure, with the chief concern being theft at a job site.
  • Since many contractors sell and transport the product to their customers, goods in transit is another exposure.
  • The final exposure is installation of the product in both new construction and remodeling projects where loss to the materials is at the contractor’s risk until the installation is complete and accepted by the owner or general contractor.
Crime Exposures
  • Crime exposures arise primarily from employee dishonesty, particularly involving clients’ property.
Occupier’s Liability Exposure
  • Occupier’s Liability is always a concern in a retail exposure where the public comes to the premises. Aisle ways must be adequate and free of debris with flooring in good condition, no frayed or worn spots on carpet and no cracks or holes in flooring. Sufficient exits must exist and be well marked, with backup systems in case of power failure.
  • Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slip and fall. If the premises is open after dark, adequate lighting and appropriate security for the area must be present.
  • Occupiers’ Liability exposures can be a major concern at job sites. In remodeling projects, if work takes place during business hours, the exposure to the public must be controlled. This is a particular problem if the work is performed on the exterior of the structure or on an upper interior wall. Barriers must be placed appropriately in addition to warning signs indicating the potential for falling objects.
  • The completed operations exposure may be significant because an improper installation may be the cause of trip or slip hazards, mildew or mold problems and falling objects.
  • Other areas of concern are inspection and acceptance of the work by the owner or general contractor and inadequate monitoring of work orders and change orders.
Environmental Impairment Liability
  • Environmental impairment liability may be a significant exposure if the contractor removes and disposes of asbestos flooring.
Automobile Exposures
  • Automobile exposures are moderate unless building materials are transported. Hazards include failure to properly secure the load and equipment failure, such as tie-downs and hitches.
Workplace Safety Exposures
  • Workplace safety exposures can be a concern in retail operations from lifting, back injury, hernia, sprain, and strain. If installation is provided, eye, skin, and lung irritations and injury can result from exposure to the adhesives.

Flooring Contractors we cover include:

  • Self-Employed Flooring Contractors
  • Commercial Flooring Contractors
  • Residential Flooring Contractors

What types of Business Insurance do I need?

There are many types of insurance policies that our experts can advise you on and package to meet your specific needs, such as:

  • Commercial General Liability
  • Commercial Property Insurance
  • Business Interruption Insurance
  • Pollution Liability Insurance
  • Professional Liability Insurance
  • Product Liability Insurance
  • Equipment Breakdown Insurance
  • Commercial Auto Insurance
  • Cyber Insurance