Tile and Stone Contractor Insurance
Why do tile and stone installers need insurance?
Whether you’re a ceramic tile contractor or own a stone installation company, you know not to cut corners in your work. The same should go for insurance. Business insurance can pay for water damage in a client's home, worker injuries, stolen tools, and other costly risks.
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Insureon helps tile and stone installers compare quotes from top U.S. insurance companies online.
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What types of insurance do tile and stone installers need?
These insurance policies cover common risks of tile and stone installation.
General liability insurance
General liability coverage protects against basic third-party risks, such as a customer tripping on a stack of tiles. It may be required for a commercial lease, loan, or contract.
- Customer bodily injuries
- Customer property damage
- Product liability insurance
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for tile and stone installers to buy general liability coverage and commercial property insurance together.
- Accidental damage to customer property
- Customer injuries
- Business property damage
Workers’ compensation insurance
Most states require workers' comp for stone and tile businesses that have employees. It also protects sole proprietors from workplace injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Legal fees
Commercial auto insurance
This policy covers the cost of accidents involving a stone or tile company's vehicle. Most states require it for vehicles owned by a business.
- Medical bills from an auto accident
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Tools and equipment insurance
This policy helps pay for repair or replacement of a contractor’s tile cutters, mortar mixers, trowels, and other tools if they are damaged, lost, or stolen. It's a type of inland marine insurance.
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Cyber insurance
Cyber insurance helps cover the cost of a data breach or cyberattack at your tile and stone installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
How much does insurance cost for tile and stone installation businesses?
A small business with a few workers will pay less for insurance than a large company.
Average tile and stone installation insurance costs include:
- General liability: $72 per month
- Tools and equipment: $41 per month
- Workers' comp: $137 per month
Factors that affect premiums during underwriting include:
- Installation services offered
- Business property and equipment
- Business income
- Types of insurance coverage purchased
- Policy limits and deductibles
How do I get stone and tile installer insurance?
It's easy to get stone and tile contractor insurance if you have your business operation information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policy and download a certificate.
Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage options that fit your tile and stone business's unique risks, whether you work as a contractor, subcontractor, or hire employees.
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FAQs about insurance for tile and stone installation contractors
Review answers to frequently asked questions (FAQs) about tile and stone installation insurance and more.
Do tile installers need to be licensed?
In many cases, yes—but requirements vary by state. Some states require tile installers to hold a specific contractor’s license, while others may not have formal licensing rules for this type of work. Whether a license is needed often depends on the scope of your work, such as whether you also handle general remodeling or specialized trades.
Obtaining a license may involve demonstrating relevant experience, passing a state exam, and meeting other requirements like carrying commercial general liability insurance or securing a surety bond. These measures help ensure that the work meets local safety and quality standards and protect both the installer and the customer.
Even in states where a license isn’t required, having proper insurance and bonding is often recommended to safeguard your business and build credibility with clients.
What other types of coverage do tile and stone installers need?
Tile and stone installers often need more than just general liability insurance to fully protect their business from financial losses. Key additional coverages include:
- Installation floater insurance: Protects materials, tools, and supplies while in transit or at a jobsite.
- Professional liability insurance: Covers legal costs if a mistake, oversight, or faulty work—like using the wrong materials—leads to a client claim. This policy is also called errors and omissions (E&O) insurance.
- Builder’s risk insurance: Provides coverage for buildings under construction, including temporary structures, scaffolding, and materials on-site. It’s also called course of construction insurance.
- Contractors pollution liability (CPL) insurance: Covers legal costs if your work accidentally causes environmental damage or pollution. It’s sometimes referred to as environmental insurance.
- Commercial umbrella insurance: Extends the coverage limits of your general liability, commercial auto, and employer’s liability policies, providing extra protection for larger claims.