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What is Carpet and Flooring Contractors Insurance?

Carpet and Flooring Contractors Insurance is a specialist tradesman policy created for those in the flooring industry. It offers comprehensive coverage for risks such as accidental damage, property theft, personal injury, and more—ensuring your business stays protected, no matter where you’re working. Whether you're laying carpets in homes or installing commercial flooring, our insurance is there to safeguard your business against the unexpected.

From intricate installations to large-scale commercial flooring projects, the work of carpet and flooring contractors comes with its own set of risks. Whether you’re working in residential homes or high-traffic business environments, our Carpet and Flooring Contractors Insurance is designed to protect you, your crew, and your clients.

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Carpet and Flooring Contractors

What does Carpet and Flooring Contractors Insurance cover?

We’ll help you build the perfect combination of covers for your flooring business, providing you with peace of mind on every project. We understand that no two flooring jobs are the same, which is why our insurance policies are fully customisable. Typical cover options include:

1

Public Liability Insurance

Covers third-party claims for injuries or property damage caused by your work (e.g., damaged floors, tripping hazards).

2

Employers’ Liability Insurance

 A legal requirement for businesses with staff, covering injury or illness claims made by employees.

3

Tools and Equipment Cover

Protects your flooring tools and equipment, whether on-site, in your van, or in storage, against theft, loss, or damage.

4

Property Insurance

Covers damage to your business premises, including any fixtures, fittings, and flooring stock.

5

Contract Works Insurance

Covers flooring projects that are in progress, protecting against loss or damage to materials and work completed before the job is finished.

6

Van Insurance

Commercial van cover tailored to the needs of carpet and flooring contractors, ensuring your business vehicle is always covered.

7

Professional Indemnity Insurance

If your flooring services include design or consultancy, this cover protects you against professional mistakes or omissions.

8

Excess Layer Insurance

If your work involves high-value commercial flooring projects or large-scale contracts, Excess Layer Insurance increases your liability limits, ensuring you're covered for bigger risks.

How do Carpet and Flooring Contractors Insurance claims work?

We make sure your claims process is straightforward and efficient:

  • Notify us right away – If something happens, let us know immediately.
  • Submit supporting details – Depending on the incident, we may need photos, statements, or police reports.
  • Claim assessment – Our team of experts will review your claim swiftly.
  • Claim resolution – Once approved, we’ll process your claim quickly so you can get back to work with minimal disruption.

We aim to resolve your claims as quickly as possible, so you can continue focusing on your business.

How much does Carpet and Flooring Contractors Insurance cost?

The cost of your policy will depend on:

  • The size of your business and number of employees
  • The types of flooring projects you handle (residential vs. commercial)
  • The level of coverage you need for things like tools, equipment, and public liability

Every flooring business is unique, which is why we provide bespoke quotes tailored to your specific needs. Contact us for a personalised quote today.

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Why I chose Carpet and Flooring Contractors Insurance with Crowthorne

Running a flooring business involves plenty of risks, but I never worry because I’m covered by Crowthorne:

  • They understand flooring businesses and what we need covered.
  • The quote process was fast, simple, and transparent
  • They didn’t try to upsell me unnecessary extras—just what I needed.
  • Crowthorne has years of experience in the trade and I know I can trust them.
  • When I had to make a claim, they handled it quickly and efficiently.

I recommend them to other flooring contractors all the time—if you need reliable, no-nonsense insurance, Crowthorne is the way to go.

Flooring

What Our Customers Say

In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

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Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
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Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

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FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.
Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.