Flooring & Tile Store Insurance Coverage Checklist
The coverages a flooring & tile store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for flooring and tile stores. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers customers walking among slab racks. | Core | |
| Workers' Compensation | Covers crush injuries and silica exposure. | Core | |
| Products-Completed Operations | Covers failed installs, cracking, and delamination. | Core | |
| Business Personal Property | Covers heavy, breakable slab and tile stock. | Core | |
| Commercial Auto | Covers flatbed delivery of slabs. | Core | |
| Employers Liability (Stop-Gap) | Covers silicosis suits beyond workers' comp. | Prevalent | |
| Contractors Equipment | Covers forklifts and slab lifters. | Prevalent | |
| Subcontractor Insurance Review | Avoids uninsured-installer claims and audit charges. | Prevalent | |
| Business Income | Covers a rack collapse or warehouse loss. | Prevalent | |
| Pollution Liability | Covers silica dust and formaldehyde emissions. | Situational |
The coverage gap most often missed
The gap most often missed by flooring and tile stores is silica. Stores that cut engineered stone often carry GL forms with silica exclusions and only basic workers' comp, while silicosis claims arrive after long latency or as suits by installers' employees. Confirm the silica exclusion status, employers liability limits, and whether any fabrication is done in-house.
Send us the checklist and we'll review your flooring & tile store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Flooring & Tile Store Insurance · Flooring & Tile Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a flooring & tile store business need?
The core coverages for a flooring & tile store business are General Liability, Workers' Compensation, Products-Completed Operations, Business Personal Property, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my flooring & tile store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.