Hiring a professional epoxy flooring company comes with many benefits—durability, aesthetics, and long-lasting results. But before signing any contract, there’s a crucial detail that homeowners and business owners often overlook: insurance.
Making sure the company you hire is properly insured protects you from unexpected damage, liability issues, or unfinished work. Accidents can happen on any job site, and if the contractor lacks proper insurance, you could be left footing the bill.
Here’s how to verify whether an epoxy flooring company carries the right insurance coverage and why it’s important for your peace of mind.
Ask for Proof of Insurance
The first and most direct step is to request documentation.
- Ask for a Certificate of Insurance (COI)—this official document lists the company’s coverage types and policy limits.
- Ensure the insurance is current and active by checking the policy dates listed on the COI.
- Confirm that the company has both general liability and workers’ compensation insurance.
A reputable company should never hesitate to provide proof of insurance. If a contractor avoids the question or gives vague answers, consider it a red flag and continue your search.
Verify Coverage with the Insurance Provider
Don’t just take their word for it—go the extra step to confirm the details.
- Call the insurance provider listed on the COI to verify the policy is valid and in good standing.
- Ask if there have been any recent cancellations or lapses in coverage.
- Check that the policy covers epoxy flooring or similar contracting work, not just general services.
This step ensures the company is not only insured but also covered for the specific type of work you’re hiring them to do.
Look for Licensing and Business Credentials
Insurance is part of a bigger picture. A licensed, professional epoxy flooring company typically maintains up-to-date coverage as part of doing business responsibly.
- Verify the company holds a valid contractor’s license in your state.
- Check for affiliations with industry associations like the National Association of Floor Covering Technicians (NAFCT) or Better Business Bureau (BBB).
- Review customer testimonials and see if others have mentioned positive experiences with claims or accountability.
Legitimate companies who take pride in their work also take their legal and financial responsibilities seriously. Their reputation is built on trust, safety, and delivering quality service.
Making sure your epoxy flooring company is insured isn’t just about ticking boxes—it’s about protecting your property, finances, and peace of mind. From requesting official documents to checking directly with the insurer, taking a few extra steps upfront can save you from major headaches later.
Before choosing a contractor, do your due diligence. A company that’s properly insured, licensed, and transparent will not only deliver great results but also stand behind their work safely and professionally.
