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Flooring Contractors

Every residential and commercial building has some type of floor covering installed. Typically, floor covering includes carpet, tile, laminate, and wood flooring. Floor covering installers spend much of their day kneeling or sitting on floors using tools that could result in serious injury if an accident were to happen. The installers also lift and carry heavy packages of flooring products around the job site which could lead to back and neck injuries. Floor covering contractors should consider a package of insurance coverages to protect them financially when an accident happens. Fairbanks Insurance Brokers recommends General Liability, Workers’ CompTool Coverage, Commercial Auto, and Surety Bonds to create a hedge of financial protection around you and your business.

Here is What We Recommend:

General Liability

Contactors General Liability will be the foundation of protection for your carpentry business. The coverage will respond if you or your employees are found liable for bodily injury or property damage. The coverage also covers defense costs for your business to respond to any lawsuits brought by a third party.

Workers' Comp

Many states will require carpentry contractors to provide workers’ compensation coverage for their workers in order to work in their state. Accidents happen at job sites that can result in an employee becoming injured and missing work. Your workers’ compensation coverage will provide financial assistance for medical and lost wage expenses.

Surety Bonds

Many states and customers may require carpentry contractors to offer a license or surety bond before you are allowed to bid on a job or begin working. Your bond is a financial guarantee to your state’s licensing department and your customer that you will complete the job according to your bid.

Commercial Auto

Typically, carpentry contractors will have multiple vehicles that require commercial auto insurance to make certain their vehicles can be repaired or replaced in the event of an accident, vandalism, or theft.

Tool Coverage

Also known as Inland Marine Insurance, this policy will provide for reimbursement for expenses to repair or replace tools and equipment. Your tools represent a major part of your livelihood, so we always encourage carpentry contractors to consider this valuable coverage.


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