General Liability
Covers bodily injury and property damage claims arising from your flooring operations — essential protection when working in clients' homes or commercial spaces.
Flooring contractors face unique on-the-job risks — from accidental property damage mid-installation to tools stolen from a job site. Soma makes it simple to protect your business with tailored coverage that fits your operations. Whether you're a solo installer or managing a full crew, get competitive flooring contractor insurance quotes fast, with one easy application and no broker runaround.
Comprehensive insurance solutions tailored to every risk a flooring contractor faces, from first nail to final walkthrough.
Covers bodily injury and property damage claims arising from your flooring operations — essential protection when working in clients' homes or commercial spaces.
Protects your employees against job-site injuries common in flooring work, including cuts, strains, and falls, while keeping your business legally compliant.
Covers your work vehicles transporting flooring materials, tools, and crew to job sites — standard personal auto policies won't protect you on the clock.
Inland marine coverage for your saws, sanders, nailers, and other flooring equipment — whether they're stolen from a job site or damaged in transit.
Project-specific protection for materials, supplies, and equipment on commercial or new-construction flooring jobs from start to project completion.
Soma's expert Risk Management Team analyzes your flooring business to identify coverage gaps and secure the right protection at the most competitive price.
Flooring contractors deal with real exposure every day — scratched hardwood in a high-end remodel, a crew member injured on a slippery subfloor, or a van full of materials broken into overnight. Standard business policies often miss the nuances of trade work. Soma partners with specialty carriers like Chubb, Liberty Mutual, and Nationwide to build coverage that matches your actual operations, whether you're handling residential installs, commercial fit-outs, or large-scale new construction projects.
See how flooring businesses across the country got the right coverage fast and got back to work.
Soma is built for businesses that standard brokers turn away — and flooring contractors are no exception.
Get quotes from hundreds of carriers with a single application — no chasing brokers or waiting weeks.
Access top-rated carriers like Chubb, Nationwide, and Liberty Mutual who specialize in contractor and trade risks.
Soma's Risk Management Team moves fast — most flooring contractors receive coverage placement the same day they apply.
Soma analyzes your specific flooring operations to find coverage that fits — no overpaying for risks that don't apply to your business.
Experienced insurance specialists who understand contractor risks inside and out.
Soma is a modern commercial insurance brokerage built specifically for businesses that don't fit the standard mold. Flooring contractors — from solo owner-operators to multi-crew commercial installers — often struggle to find brokers who truly understand the hands-on, site-specific nature of trade work. Soma was founded to fix that. With access to hundreds of specialty carrier partners including Chubb, Liberty Mutual, Nationwide, and Markel, Soma's Risk Management Team processes thousands of businesses across every industry, taking the time to understand each operation and acting fast to place the right coverage at the right price. No apps, no delays, no generic policies — just fast, affordable, contractor-grade insurance that works as hard as you do.
Flooring contractor insurance typically ranges from $500 to $3,000+ per year for general liability, depending on annual revenue, crew size, and the types of projects you take on. Workers' compensation and commercial auto add to that total. Soma shops your risk across hundreds of carriers to make sure you're getting the most competitive rate for your specific operations — not a generic contractor estimate.
Talk to a Soma specialist today and get a free, no-obligation flooring contractor insurance consultation.
Partnered with top-rated carriers others can't access
Specialists in placing coverage standard markets decline
Same-day coverage placement for qualified contractors
Fill out the form below and a Soma Risk Management specialist will reach out to discuss your coverage needs, shop the market on your behalf, and deliver competitive quotes — fast.