Workers' Comp Coverage for Flooring Contractors

We’ve been helping residential and commercial flooring installers find affordable coverage for over 15 years. Our Experts understand the unique underwriting requirements from the insurance companies. That’s why we’ve developed programs designed to help you get the best rates and most flexible payment options.

Pay as you go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Workers' Compensation Class Codes Related to Flooring & Installation

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Flooring Installation Workers' Compensation Insurance

Class Code 5348
Flooring- Ceramic Tile

Class Code 5437
Flooring- Wood Floors

Class Code 5478
Flooring- Carpet & Laminate

Businesses primarily engaged in installing or laying a variety of flooring materials including carpet, laminate, tile, stone and hardwood surfaces. Work may be done in a commercial or residential basis. Services may include new work, additions, alterations and repairs.

Class code 5437 may include detailed trim and carpentry work as well as the installation of hardwood flooring that requires cutting, sanding and attaching of the hardwood to sub-floor surfaces.

Alternative State Class Codes for Flooring:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Synonyms: plumbing, plumbers, boiler and pipe insulation, pump installation, pipe fitting, sewer cleaning, roto rooter insurance, lawn sprinkler install

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licensed throughout the United States

How Does Workers' Comp Work?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers’ comp policy is a no-fault system that pays for these accidents and claims. It’s required by law in most states.

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers’ compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

How Much Does Flooring Insurance Cost?

The average rate our customers pay for workers’ compensation under the flooring class code is between $4.05 and $5.00 per $100 of payroll. The average cost for a general liability insurance policy is about $1,150.00.

  • Work Comp is priced based on payroll
  • Your state and Emod will affect your cost
  • The type of flooring installed can modify rates
  • Premium discounts and policy credits may apply
  • GL rates for flooring are based on payroll (rated per $1000)
  • Gross revenue may affect pricing
  • tools and materials used matter to underwriters
  • Prior clams and years in business affect pricing
  • Flooring SIC codes-1747, 1751, 1752

How do I get started?

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What Happens Next?

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We've developed affordable insurance programs for Flooring.