Flooring Contractors: Workers Compensation Insurance Explained

Flooring contractors face a wide range of job-related risks—from lifting heavy materials and operating power tools to working in environments with uneven surfaces or hazardous chemicals. Whether you're installing hardwood, tile, carpet, or laminate, the physical demands of flooring work make workers compensation insurance a must-have.

In most states, it’s legally required. But beyond compliance, it’s a smart way to protect your business and your team. Workers compensation insurance covers medical expenses, lost wages, and even legal costs if an employee is injured on the job. It also provides peace of mind, knowing your crew is taken care of if something goes wrong.

What Does Workers Compensation Insurance Cover?

For flooring contractors, coverage typically includes:

• Medical treatment for injuries sustained while working

• Wage replacement during recovery periods

• Disability benefits for temporary or permanent impairments

• Death benefits for families in the event of a fatal accident

• Employer liability protection in case of lawsuits related to workplace injuries

These benefits ensure that both your employees and your business are financially protected.

Common Risks Flooring Contractors Face

Flooring work is physically intense and often performed in unpredictable environments. Some of the most common risks include:

• Back injuries from lifting and carrying heavy flooring materials

• Cuts and abrasions from sharp tools and edges

• Slips and falls on wet or uneven surfaces

• Repetitive strain injuries from kneeling, bending, and stretching

• Exposure to chemicals in adhesives, sealants, and finishes

Even a minor injury can lead to costly medical bills and downtime. That’s why having the right coverage is critical.

How Total Work Comp Supports Flooring Contractors

At Total Work Comp, we specialize in helping contractors—like flooring professionals—secure the best workers compensation insurance available. We work with multiple insurance providers to compare policies and find the one that fits your business needs and budget.

Here’s what you can expect:

• Free, no-obligation quotes

• Access to top-rated insurance carriers

• Expert guidance from agents who understand contractor risks

• Nationwide coverage across all 50 states

Whether you're a solo contractor or manage a team, we’ll help you navigate the insurance process with ease.

GET A FREE QUOTE

Get Your Free Quote Today

Don’t wait until an accident happens. Protect your crew and your business with a customized workers compensation policy. Contact Total Work Comp today for a free quote and personalized support.

👉 Visit Total Work Comp or call us at 317-942-0549 to get started.