Question 1

What is a common misconception about General Liability for Flooring & Tile?

Accepted Answer

Flooring contractors think 'we just put down floor.' Damage to finished walls during install is one of the most frequent claims, and customers expect it covered.

Question 2

What happens if flooring & tile don't have General Liability?

Accepted Answer

While installing engineered hardwood, your nailer damages 18 feet of baseboard and gouges a custom built-in — $4,800 repair. GL pays after deductible.

Question 3

What is a common misconception about Workers' Compensation for Flooring & Tile?

Accepted Answer

Floor installers underestimate cumulative-trauma claims. Knee replacements after a 20-year career are common WC outcomes.

Question 4

What happens if flooring & tile don't have Workers' Compensation?

Accepted Answer

A 15-year tile installer files a cumulative-trauma claim for bilateral knee replacement — $90K medical. WC pays.

Question 5

What is a common misconception about Commercial Auto for Flooring & Tile?

Accepted Answer

Single-van flooring installers often skip commercial auto thinking personal will cover. It won't for business-titled vehicles.

Question 6

What happens if flooring & tile don't have Commercial Auto?

Accepted Answer

Van rear-ends a vehicle — $90K injury claim. Commercial auto pays.

Question 7

What is a common misconception about Inland Marine (Tools & Equipment) for Flooring & Tile?

Accepted Answer

Wet saws and floor finishing equipment are pricey ($3K–$10K each) and walked off jobs.

Question 8

What happens if flooring & tile don't have Inland Marine (Tools & Equipment)?

Accepted Answer

A wet saw and stretcher stolen from a job — $5,200. Inland marine pays.

Question 9

What is a common misconception about Pollution Liability for Flooring & Tile?

Accepted Answer

Flooring contractors don't see themselves as polluters. Tile-thinset asbestos in pre-1980 homes and finish-room VOC issues are real exposures.

Question 10

What happens if flooring & tile don't have Pollution Liability?

Accepted Answer

Removal of pre-1980 floor tile releases asbestos-containing adhesive — $40K in cleanup and abatement, plus medical claims from homeowner. Pollution pays.

Flooring & Tile Insurance Coverage Guide | RISKX