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A flooring installer (ceramic, hardwood, vinyl, carpet, epoxy) in Quebec works mainly with residential and commercial clients. Risks: damage to the existing floor during preparation, poorly glued products (bubble, peeling), allergies to glues, injury to the customer on site.

Flooring Installer — Assur360 Insurance

IN BRIEF

Insurance for flooring installers

Installation companies (ceramics, hardwood, vinyl, carpets) are exposed to damage to the customer’s home (scratches, stains, water damage during installation) and installation defects.

To be added: care, custody and control guarantee for moved furniture, and workmanship for post-installation defects. Standard liability $2 million.

Flooring insurance includes: Builder’s liability $2 million, tools (wet saws, snow groomers, guns), vehicle, coverage for damage to existing subfloor/walls, E&O upon quotes. Premium: $1,200 to $2,800/year. Many are self-employed RBQ 1.3.

$1,200+
premium avg.
$2M
Minimum liability
RBQ 1.3
License required
$3-8K
Typical tools

Risks specific to your flooring installer

Subfloor Damage

Leaking wet saws, staining glues, radiant heating damaged during installation: damage to the customer = liability. Pre-installation photos are mandatory.

Faulty installation

Ceramic cracking, warping floor, peeling carpet: product liability + installation warranty. Often required 1-5 years.

Hazardous products (glues, solvents)

Vapours that contaminate indoor air = health claim (asthma, allergies). Use low VOC + ventilation products.

Tool theft

Nail guns, pneumatic saws, snow groomers: $5-10K worth of tools often left on site overnight. Essential tools endorsement.

Essential Protections to Include

Liability $2 million

Customer property damage + public liability.

All-risk tools

To the truck, workshop, construction site.

Installation warranty

1-5 years depending on product (mandatory in competitor).

Commercial Vehicle

Truck + tool trailer.

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Premium 2026 — indicative table

ProfileVolume / DetailAnnual Bonus
Self-employed (RBQ 1.3)Volume <$100,0001,200 – $1,600
SME 2-4 employeesVolume $150,000 – $400,0001,700 – $2,200
Company 5-10 employeesVolume $400,000 – $1,000,000$2,200 – $2,800
Installer + sale of productsShop + site$2,400 – $3,200

The amounts are indicative. Your actual premium depends on your claims history, location, security systems, and coverage chosen.

Tips for lowering your premium

  • Written contract + pre-installation photos : proof against claims of pre-existing damages.
  • Products with low VOCs (glues, varnishes): reduces health claims.
  • Up-to-date RBQ 1.3 license + supplier certificates: validate product liability.
  • Technical sheet each product kept for 5 years: if allergy complaint.

Frequently Asked Questions — Flooring Installer Insurance

How much does flooring insurance cost in Quebec in 2026?
Average premium: $1,200 to $3,200/year depending on size, sales volume, location, and your claims history. The 2026 rates reflect the increase in the cost of materials and parts.
What protections are essential for a flooring installer?
Minimum: Commercial liability (2-5 M$), building/content (replacement cost), equipment, business interruption. Specific endorsements for your industry (2 M$ liability, Tools all risks) are often crucial.
Is the CNESST included?
No. The CNESST is a mandatory contribution managed separately by the employer. Commercial insurance complements the CNESST for civil liability claims outside of work (clients, third parties).
Do I have to declare all my income exactly?
Yes. A underreporting can result in a proportional penalty (proportional rule) in case of a claim: if you declared $400,000 but actually made $800,000, you receive 50% of the compensation due.
Are my subcontractors covered by my policy?
No. Each subcontractor must have their own liability insurance. Always ask for a certificate of insurance and add yourself as an additional insured on their policy. Otherwise, you remain responsible for the damages they cause.
What is a replacement cost vs depreciated value?
Replacement cost: you are reimbursed the current price of an equivalent new equipment. Depreciated value: reduced amount due to wear and tear (e.g., fridge 10 years old = 30% of its new value). Replacement cost is recommended — additional cost 10-15%.
Can I insure my commercial vehicles with the same policy?
Often yes, but sometimes it’s more advantageous to separate: distinct commercial fleet policy. We compare both scenarios to choose the most economical one.
How long does it take to be compensated after a claim?
With up-to-date inventory + photos + financial documents: settlement in 4-8 weeks. Without evidence: it can drag on for 4-12 months. That’s why we recommend a digital inventory backed up off-site.
What should I do if my insurer refuses to renew it?
Common causes: repeated claims, change of activity, relocation. Assur360 has access to 15+ insurers (including 3-4 specialized in difficult risks). We usually find a solution in 90% of cases — call 1-866-357-4451.
How do I get my flooring installer quote?
Fill out our 3-minute form with your annual income, area, number of employees, and current coverages. You will receive up to 3 compared quotes within 24-48 business hours. Free, no obligation. ☎ 1-866-357-4451.

Why choose Assur360

✓ AMF & Chamber of Insurance
Accredited and certified firm
✓ 15+ insurers compared
Intact, Desjardins, Beneva, Aviva, Economical, Belair…
✓ 100,000+ Quebecers served
Since 2008
✓ No cost, no obligation
Our commission is paid by the insurer

Helpful Resources

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