Our analysis of over 200 flooring contractor insurance quotes from top insurers reveals significant cost variations across states and business sizes. This comprehensive guide provides benchmarking data to help you understand what you should pay for general liability insurance and identify opportunities for savings.
The rates in this guide reflect these business characteristics:
💼 $50K Revenue
👤 1 owner
🚫 No employees
💰 $50,000 gross revenue
🔧 <10% subcontractor costs
💼 $150K Revenue
👤 1 owner
👥 1 employee
💰 $150,000 gross revenue
🔧 10% subcontractor costs
✅ Proven safety record
💼 $500K Revenue
👤 1 owner
👥 ~3 employees
💰 $500,000 gross revenue
🔧 10% subcontractor costs
🛡️ Comprehensive safety protocols
Understanding these benchmarks empowers flooring contractors to negotiate better rates and avoid overpaying for coverage. The data shows potential savings ranging from 30% to over 70% between average and favorable rates, making it crucial to shop multiple carriers and work with specialists who understand flooring contractor risks.
Before comparing costs across states, ensure you understand all the coverage types available. Explore comprehensive flooring contractor insurance options to protect your business properly.
Jump to State
Arizona
The following table displays general liability insurance premiums for Arizona flooring contractors with $1M/$2M coverage limits, showing the premium range as a percentage of revenue across different pricing tiers.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,250 | $760 | $2,750 | 72% |
| $150,000 | $2,710 | $1,900 | $5,450 | 65% |
| $500,000 | $7,740 | $5,500 | $11,530 | 52% |
California
California flooring contractors face a competitive insurance market reflected in these general liability premiums for standard $1M/$2M coverage limits, with rates shown as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,170 | $830 | $1,660 | 50% |
| $150,000 | $2,560 | $1,860 | $3,870 | 52% |
| $500,000 | $7,730 | $5,450 | $11,510 | 53% |
Florida
The table below shows general liability insurance costs for Florida flooring contractors with $1M/$2M limits, demonstrating the premium variance as a percentage of revenue across different market segments.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,530 | $620 | $3,420 | 82% |
| $150,000 | $3,440 | $1,820 | $6,820 | 73% |
| $500,000 | $9,790 | $5,440 | $14,730 | 63% |
Illinois
Illinois flooring contractors experience significant rate variations shown in this general liability premium table for $1M/$2M coverage, with costs expressed as percentages of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,880 | $940 | $4,580 | 79% |
| $150,000 | $3,710 | $1,700 | $9,080 | 81% |
| $500,000 | $9,800 | $3,260 | $19,650 | 83% |
Massachusetts
Massachusetts flooring contractors can benchmark their costs against these general liability premiums for standard $1M/$2M limits, showing the rate range as a percentage of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,430 | $880 | $3,180 | 72% |
| $150,000 | $2,940 | $2,040 | $5,700 | 64% |
| $500,000 | $7,920 | $6,810 | $10,790 | 37% |
Michigan
The following data presents general liability insurance premiums for Michigan flooring contractors with $1M/$2M coverage, illustrating cost variations as percentages of business revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,190 | $750 | $2,620 | 71% |
| $150,000 | $2,400 | $1,470 | $5,080 | 71% |
| $500,000 | $6,250 | $2,620 | $10,610 | 75% |
North Carolina
North Carolina offers some of the most competitive rates for flooring contractors, as shown in this general liability premium table for $1M/$2M limits with costs as revenue percentages.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $790 | $500 | $1,330 | 62% |
| $150,000 | $1,710 | $1,060 | $2,440 | 57% |
| $500,000 | $4,610 | $2,750 | $6,000 | 54% |
Pennsylvania
Pennsylvania flooring contractors face diverse pricing shown in these general liability premiums for standard $1M/$2M coverage, with rates displayed as percentages of gross revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,940 | $1,200 | $3,940 | 70% |
| $150,000 | $3,490 | $1,720 | $6,040 | 72% |
| $500,000 | $9,130 | $6,050 | $11,400 | 47% |
Texas
The table below reveals general liability insurance costs for Texas flooring contractors with $1M/$2M limits, highlighting the premium spread as a percentage of revenue across pricing tiers.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,600 | $830 | $4,280 | 81% |
| $150,000 | $3,170 | $2,040 | $6,920 | 71% |
| $500,000 | $8,350 | $5,510 | $15,160 | 64% |
Virginia
Virginia flooring contractors benefit from competitive rates as shown in this general liability premium analysis for $1M/$2M coverage, with costs expressed as revenue percentages.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $850 | $500 | $1,490 | 66% |
| $150,000 | $1,670 | $1,200 | $2,320 | 48% |
| $500,000 | $4,250 | $3,310 | $5,490 | 40% |
Washington
Washington state flooring contractors experience notable rate variations shown in these general liability premiums for standard $1M/$2M limits, with rates as percentages of annual revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,430 | $630 | $2,600 | 76% |
| $150,000 | $3,150 | $2,040 | $4,200 | 51% |
| $500,000 | $8,330 | $2,840 | $11,390 | 75% |
Get Your Customized Flooring Contractor Insurance Quotes
Understanding insurance costs across different states and business sizes is just the first step. The data reveals potential savings between 37% and 83% when comparing favorable rates to higher-end premiums—but how do you actually capture these savings for your business?
These substantial variations underscore that accepting the first quote you receive could mean overpaying by thousands of dollars annually. That’s where ContractorNerd makes the difference. Our platform connects you with leading insurers who specialize in flooring contractor coverage, ensuring you get competitive quotes tailored to your specific business needs.
Don’t leave money on the table. Use ContractorNerd to get multiple quotes from top-rated carriers in minutes. Our trades-only platform understands the unique risks flooring contractors face and delivers the specialized coverage you need at the best available rates. Start comparing personalized quotes today and join thousands of flooring contractors who’ve discovered smarter, more affordable insurance solutions through ContractorNerd.