Flooring contractor insurance in North Carolina helps cover your business from the floor up.

Just like every building needs floors, your business needs flooring contractor insurance in NC.

Does your business need flooring contractor insurance in North Carolina?

You run a unique business, which is why you need to consider flooring contractor insurance. First, consider a general liability insurance policy. This type of coverage offers financial protection for instances such as someone getting hurt on your property or accidental damage to someone else’s property while on the job. Also, this coverage is especially important if you have a flooring showroom where you receive visitors. Here are some examples of what your flooring contractor insurance policy may be able to cover:

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Why flooring pros need specialized coverage

Installing hardwood, LVT, tile or carpet involves saws, nail guns, adhesives and heavy materials that can damage finished surfaces or injure helpers. One slip of a drum sander might ruin a vc_column_text5,000 walnut floor; a cut finger can total

Protection for the unexpected.

No flooring contractor would choose materials they suspected to be faulty or subpar. However, sometimes things go wrong in the manufacturing process, or items become compromised. Product liability insurance may help protect you from this risk. For example, if someone is hurt or property is damaged as a result of the materials and supplies you used, you can be held liable. Product liability insurance may be included in your general liability insurance policy, but it’s always a good idea to make sure.

Insurance for your business, wherever it may go.

The floors you install may be stationary, but your business certainly isn’t. As you travel from one job site to another, you need business auto insurance to provide coverage in the event of a collision. This insurance may pay for third-party damage to property or bodily injury caused by you or an employee. Also, if employees use their own cars or you rent vans or trucks on occasion, consider hired and non-owned auto insurance as well.

Coverage for your building and its contents.

Your business may have a large warehouse, a storage facility, or just a small administrative office. Regardless, you need to protect your space and what’s inside. To illustrate, even a small fire can devastate a structure, leaving your business unable to operate and financially wiped out. A commercial property insurance policy may help protect your business and recover from covered damages.

Protect your tools, equipment, and supplies.

Flooring contractor insurance coverage for tools, equipment, and supplies protects you from the financial risks you face if these items are lost, stolen, or damaged. Your commercial property insurance policy should provide coverage for when these items are on your premises. Similarly, inland marine insurance would provide coverage should the loss occur while in transit. If your items are damaged on a job site, the general contractor’s builders risk policy may provide coverage, but again, you’ll want to verify that you’re covered everywhere your items go.

Don’t forget the business side of your operation.

Some insurance policies can be beneficial for all industries and you should give consideration to incorporating them into your flooring contractor insurance program. For instance, extra expense insurance may provide funds to temporarily relocate your office or showroom if it becomes inaccessible for certain reasons. And, if you keep client information in a computer system, a cyber liability insurance policy could be helpful in the event of a data breach. Workers’ compensation insurance is likely required where you operate, but it’s especially important given the physical nature of the work you perform. Finally, employment practice liability insurance may help pay for defense costs if you’re sued by someone claiming discrimination.If you’re looking for flooring contractor insurance for your business, contact us to learn more and to get started.0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• • Commercial Umbrella — vc_column_text–$5 M extra liability.
  • Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  • Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  • Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

Commercial Umbrella — vc_column_text–$5 M extra liability.
Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
  Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
  Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
  Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

  Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
  Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
  Contractors Errors & Omissions — Covers faultyworkmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

  Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
  Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

Commercial Umbrella — vc_column_text–$5 M extra liability.
Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• • Commercial Umbrella — vc_column_text–$5 M extra liability.
  • Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  • Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  • Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• • Commercial Umbrella — vc_column_text–$5 M extra liability.
  • Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
  • Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
  • Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.
• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.
• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.
• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.

• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• • Commercial Umbrella — vc_column_text–$5 M extra liability.

• • Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• • Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.

• • Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• • Commercial Umbrella — vc_column_text–$5 M extra liability.

• • Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• • Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.

• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• • Commercial Umbrella — vc_column_text–$5 M extra liability.

• • Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.

• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• • Commercial Umbrella — vc_column_text–$5 M extra liability.

• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.

• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.

• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.

0,000 in medical bills. The right insurance keeps your business—and reputation—intact when accidents strike.

Core policies every NC flooring contractor should carry

• General Liability (GL) – Not required by statute, but nearly every GC or homeowner demands proof. Common limits: vc_column_text M/ fce_id=”fce_68878c1a7e8a5″ M.
• Workers’ Compensation – Mandatory once you employ three or more workers in North Carolina. We quote statutory benefits plus vc_column_text M employer’s liability.
• Commercial Auto – State minimum is 30/60/25, yet most contractors carry vc_column_text M CSL.
• Installation Floater / Inland Marine – Protects flooring materials and tools in transit, storage or on the jobsite.
• License / Performance Bond – Any project $40,000+ triggers the NC general-contractor license; many owners request a bond even below that amount.

Cost snapshot: A two-person LLC with $75 k revenue often pays $60–vc_column_text70 per month for GL. Larger bundles scale with payroll, revenue and claims history.

Smart add-ons to consider

• Commercial Umbrella — vc_column_text–$5 M extra liability.

• Contractors Errors & Omissions — Covers faulty workmanship not picked up by GL.

• Pollution Liability — Adhesive fumes and VOCs can spark air-quality claims.

• Cyber Insurance — Protects bid data, digital plans and ACH payments from hacks.

What does flooring-contractor insurance cost in NC?

Premiums hinge on payroll, revenue, job mix, safety controls and loss history.

• Small start-up (2 owners, no employees, GL + tools) — about vc_column_text,500 / year.
• Growing crew (5 staff, $500 k revenue, GL + WC + Auto + Inland) — roughly $6,800 / year.
• Established firm (12 installers, vc_column_text.2 M revenue, full bundle + Umbrella) — vc_column_text3k–vc_column_text8k / year.

Why contractors choose All About Insurance

• Ten NC offices for face-to-face service and lightning-fast certificates.
• Independent agency—we shop dozens of A-rated carriers, not one brand.
• Construction focus—dedicated team writing trades from hardwood refinishers to large commercial installers.
• Risk-management extras—tool-theft checklists, OSHA poster kits, driver MVR reviews.
• RamseyTrusted™ service—monthly audits keep our response times and claims support top tier.

Get your North Carolina flooring-contractor quote in minutes

1. Click “Start My Quote.” Upload current policies or a bid spec.

2. We compare rates from leading commercial carriers.

3. Choose & sign. Receive digital certificates the same business day—often in under 30 minutes.

Need a certificate for tomorrow’s pre-construction meeting? Call 919-321-2886 or request your flooring-contractor insurance quote online now.

Frequently asked questions

Do I need insurance if my projects are under $40,000?
Yes. Clients can still demand proof, and GL protects you if you damage a customer’s property. The $40 k rule only triggers the state GC license, not an insurance mandate.

When is workers’ comp mandatory?
North Carolina requires workers’ compensation once you have three or more employees, including most subs and part-timers.

How fast can I get coverage?
Most flooring contractors bind coverage within one business day after we receive your application and loss runs. Rush binding is available—just tell us your deadline.