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Tile Contractor Insurance: Cost & Quotes from $11/month

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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As a tile contractor, your clients contract you to transform every surface from floors to walls. Similar to roofing contractors, siding contractors, and masonry contractors, chances are you assume that all you need is top-notch craftsmanship, attention to detail, and quality service. However, this is a fallacy. In your line of duty as a tile contractor, you've got to navigate risk and exposure to potential claims, which is where tile contractor insurance comes in.

Whether you are a ceramic or mosaic tile contractor, you can leverage tile business insurance policies as the first line of defense against the unexpected.  Tilers insurance covers your business, assets, and reputation, whether you are involved in residential, commercial, or governmental projects.

Note that tile contractors insurance is not mandated by law, but it could mean all the difference when an accident happens. Think of it this way. When an event occurs that would bring your business to its knees, tile insurance for contractors cushions you.

Here's a breakdown of what you want as part of said package.

Tile Contractor Liability Insurance


CoverWalletNEXT (Best)ThimbleHiscox
Per occurrence limit$1,000,000$300,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Aggregate limit$2,000,000$300,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Products and completed operations aggregate limit$2,000,000
$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit$1,000,000
$100,000$5,000$100,000
Waiver of subrogation included?YesNoIncludedCan be included
Hired/non-owned auto liability coverage included?YesNoExcluded
Can be included
Equipment breakdown floater included?NoYesYesCan be included
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes
YesYes
Deductible$0$0$0$0


Similar to flooring contractors, there are a vast number of calamities that can put a serious dent in your bottom line as a tile contractor. For instance, an employee could drop a customer's tile, ultimately breaking them. Or, a customer might get hurt at your commercial space while at a consultative meeting. Or you could very well be sued by a competitor for reputational damage for something that was said by either you or your employees.

Each of these scenarios represents a situation where you could be found liable. The consequence will often be dragged out legal processes which come with mounting fees. Even if the courts rule in your favor, lawsuits still take a toll on your finances.

An essential part of your tile contractor liability insurance package is general liability insurance. You don’t only need this for protection but also as a requirement for getting hired by general contractors and other clients.

This foundational coverage protects your business from the financial liability linked to lawsuits associated with bodily injury and property damage filed by an aggrieved third party. Use the table above to compare the general liability insurance of companies we recommend.

Let's look at real-life situations where tile contractor general liability insurance comes in:

  • You are tiling the bathroom wall. You accidentally dropped the tool and it leaves an ugly crack on the bathtub

  • You were applying aerosolized coating on the client’s recently installed tile flooring. During the work, the client’s kid came to watch and experienced breathing difficulties afterwards

General liability policy for tile contractors covers these expenses when a claim is filed:

  • Medical treatments

  • Reimbursements for property damage

  • Attorney fees, court filing fees, and other legal expenses

  • Court judgments

An insider tip would be to have your carrier include products/completed operations coverage in your general liability insurance. This policy covers any liability that arises after you've completed the project.

Consider this. You are contracted to install a kitchen backsplash, and at the end of the project, everyone's happy. Unfortunately, after a few days, the entire installation comes tumbling down, cutting the client's hand. In such a case where the completed project causes harm, the products/completed operations policy steps in to pay the arising costs.

Similar to the general liability insurance of concrete contractors and fence installation contractors, your general liability insurance can have these add-ons:

  • Hired non-owned auto liability coverage

  • Rented premises liability coverage

  • Tools and equipment coverage



Professional Liability Insurance for Tile Contractors


CoverWalletNEXTThimble (Best)Hiscox
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000
Name additional insureds?YesYesYesYes
Waiver of subrogation included?YesNoYesCan be included
Deductible$500$500$500$50/$10,000


Other than the general liability, another type of tile contractors insurance you ought to purchase is a professional liability policy. Use the table above to compare the professional liability insurance of companies we recommend.

Contractors professional liability insurance protects you from any claims against the services you offer. Commit an issue and clients will ask for reimbursement since tiling mistakes can plague a building for years. The policy covers claims of:

  • Failure to deliver promised services

  • Negligence in providing services

  • Errors and oversights

  • Inaccurate advice

Insurance companies sell professional liability insurance for tiling contractors as a claims-made or occurrence coverage. We recommend the second because it provides lifetime protection so long as a covered peril happens during the policy duration.

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Tile Contractor’s Tools and Equipment Coverage 


NEXT (Best)ThimbleHiscox
Aggregate limit$5,000/$10,000$2,500/$5,000$5,000/$25,000
Covers hired and borrowed equipment?$5,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoNo
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


You rely on specialty equipment just like cabinetry contractors and plastering contractors. Implements are integral because, without them, you can’t do your job well. If these were to be stolen, vandalized, or damaged, you’ll face heavy losses. it could mean the closure of your business. 

Fortunately, if you've invested in a tools and equipment policy, you are assured of little to no downtime. Use the table above to compare the tools and equipment insurance of companies we recommend. 

This insurance steps in paying for the cost of repair or replacement. The tools and equipment policy covers the following:

  • Mortar mixer

  • Tile saw

  • Manual tile cutter

  • Drills

  • Suction cups

  • Tile trowels 

  • Tile leveling systems

  • Electronic tile installation gadgets


Commercial Property Insurance for Tile Contractors


CoverWalletNEXT (Best)HiscoxThimble
Building coverage limit (minimum)$50,000$100,000$25,000$25,000/$500,000
Contents coverage limit (minimum)$50,000$16,000$25,000$25,000/$500,000
Outdoor signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcludedIncluded$5,000/$10,000
Money and securitiesExcluded$2,500Included$1,000
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcludedExcluded$10,000
Employee dishonesty floaterExcluded$5,000Included$2,500


All tile contractors need a physical location that clients can visit and where equipment and merchandise can be stored or sold. 

Tile contractor insurance packages offer a commercial property policy. This allows you to protect the investments you’ve made in renovating and furnishing the office and warehouse of your tile installation business. Use the table above to see the features of commercial property insurance from companies we recommend. 

Commercial property insurance will reimburse your losses if something happens to the office or warehouse because of:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Falling objects

  • Weather

  • Aircraft

  • Vehicle

  • Sprinkler leakage


Other than the office, commercial property insurance can also protect valuable papers and records, HVAC system, signage, accounts receivable, merchandise, computers, and other valuables within the business premises. 


Business Owner’s Policy for Tile Contractors


CoverWalletThimble NEXT (Best)Hiscox
General liability aggregate limit $2,000,000$2,000,000$2,000,000$300,000/$2,000,000
Commercial property coverage limit $50,000$500,000$100,000$25,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


Stone construction insurance for tile contractors might come with a business owner’s policy. The table above compares the features of the business owner’s policy from companies we recommend. 

A business owner’s policy allows you to insure your business against commercial losses and legal liabilities. It’s an insurance product that’s made by combining general liability and commercial property insurance. 

With a business owner’s policy for tile contractors, you don’t need to get commercial property insurance and general liability insurance separately. You’ll also save money on premiums and enjoy easy policy management. 


Workers’ Compensation Insurance for Tile Contractors

When one of your employees sustains work-related injury or illness, workers' compensation insurance pays medical expenses and partially missed wages.

Moreover, workers' compensation covers temporary or permanent disability and death benefits. Note that the policy steps in to cover injuries or illnesses that your employee’s health insurance might not cover. Overall, a workers' compensation policy for tiling contractors and EIFS contractors covers the following:

  • Immediate medical care

  • Ongoing medical care, including physical rehabilitation

  • Partial lost wages while the employee is unable to work

  • Death benefits to the dependents if the employee were to succumb to the work-related injury


Commercial Auto Insurance for Tile Contractors

As a tile contractor, chances are you will be driving your employees, tools, equipment, and inventory to and from work sites.  This use of the commercial vehicle exposes your business to a high level of risk. Another motorist can get injured or you'd need to repair your construction truck or van. 

You need commercial auto insurance. Specifically, commercial auto insurance covers the following:

  • Property damage

  • Medical bills of third parties

  • Medical bills of your commercial vehicle’s driver and passengers

  • Repair or replacement of your commercial vehicle’s damaged parts

  • Repair or replacement of trailers and other attachments to your commercial ve


Inland Marine Insurance for Tile Contractors

Commercial auto insurance can’t provide coverage in case portable equipment and merchandise get damaged or destroyed during vehicular accidents

And so, it’s important to get inland marine insurance as a tile contractor. Inland marine insurance will take care of expenses if implements, tiles to be installed, and other valuables get damaged or lost during transit because of:

  • Theft

  • Vandalism

  • Malicious mischief

  • Vehicular accidents

  • Mysterious disappearance

 

So how should you purchase inland marine insurance? This policy is available as an add-on to general liability insurance, tools and equipment coverage, commercial property insurance, or business owner’s policy. 



Builder’s Risk Insurance for Tile Contractors

A builder's risk insurance policy, also known as course of construction insurance, takes care of the following:

  • Safeguarding construction materials

  • Protection of any temporary structures

 

If you install a tile flooring and it gets damaged before the completion of the project, the builder's risk policy would reimburse losses or sees to it that you can carry on without lengthy interruptions. 

Note that once you invest in a builder's risk insurance, it comes into effect before the first building material gets to the client's property. 


Surety Bonds for Tile Contractors

A surety bond is a contract between your tile contracting business, your client, and your insurance carrier of choice. It guarantees that the client is paid if you fail to deliver the contracted services.

There are a number of surety bonds you can get. The first type is license bonds and permit bonds. The latter might be mandated before you can even secure a contract. These types of bonds guarantee that your business will comply with local laws and regulations.

The second type of surety bond is bid bonds. If you bid on tile contracting jobs, then you might be required to purchase a bid bond. If you win the contract but are unable to take on the project, the client will be reimbursed the difference between the bid amount and that of the lowest bid.

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Tile Contractor Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$58$696$0-$500
Professional liability insurance$65$780$500-$1,000
Commercial property insurance$69$828$1,000-$2,500
Business owner’s policy$127$1,524$500-$1,000
Commercial auto insurance$95$1,140$1,000-$1,500
Workers compensation insurance$105$1,260$2,000-$5,000
Tools and equipment insuranceCost usually added to general liability insuranceCost usually added to general liability insurance$500
Surety bonds1%-15% of the bond amount1%-15% of the bond amount$10,000
Builder’s risk insurance1%-5% of the project’s cost1%-5% of the project’s cost$1,500

 

The average tile contractor insurance cost is $58 per month or $696 per year for a $1 million general liability insurance. This assumes that you have 5 employees and make $500,000 or less per year. Factors that affect the cost of tilers insurance are:

  • Tiling services offered

  • Value of business property and equipment

  • Business income

  • Types of insurance coverage bought

  • Policy limits and deductibles

 

To give you a further idea of the cost of a $1 million general liability insurance, we’ve made this table that shows the rates of the best tile contractor insurance companies:


Cost per MonthCost per YearBest for
NEXT$41.67$500.04Best overall; Fastest general liability insurance for tile contractors
CoverWallet$45$540Tile contractor insurance online quotes comparison
Tivly$47$564Comparing insurance quotes for tile contractors over the phone
Hiscox$48$576Tile contractor insurance with automatic policy renewal
Thimble$50$600On-demand tile contractor insurance
Travelers$61$732Commercial auto insurance for tile contractors

Compare Cheap Tile Contractor Insurance Quotes Online

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Best Tile Contractor Insurance Companies

The best way to protect your tile contracting business is to work with the best tile contractor insurance companies. Here's a list of companies you should consider. Read to know their pros, cons, and cost of a $1 million general liability insurance. 

 

NEXT Tile Contractor Insurance

Pros 

  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for tile contractors

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any


The tile contractor insurance package from NEXT includes the following:

  • General liability

  • Workers' compensation

  • Tools and equipment

  • Commercial property

 

You have three coverage options to choose from-basic, premiere, and deluxe. 

The basic package is a standalone general liability policy for your tile contracting business. This has a per-occurrence limit of between $300,000-$2 million, an aggregate policy limit of $300,000-$2 million, and zero deductibles.

Deluxe is the most comprehensive. This consists of general liability, commercial property, professional liability, and tools and equipment insurance. Workers' compensation is available as an optional policy. The worker's compensation insurance comes with an optional employer’s liability coverage with a bodily injury per by accident limit of between $100,000 and $1 million and a bodily injury by disease aggregate limit of $500,000 and $1 million.

Best for: Best overall; Fastest general liability insurance for tile contractors

Average cost: $41.67 per month 

Our rating: 10/10


CoverWallet Tile Contractor Insurance

Pros

  • Stable rates

  • Cancel a coverage anytime

  • Add an unlimited number of additional insureds easily 

  • Compare tile contractor insurance quotes online

Cons

  • Not an insurance company but an insurance broker

CoverWallet covers you through its insurance package for tile and terrazzo contractors. Note that your coverage isn’t written by the company itself but by its partners. 

Before you purchase insurance, CoverWallet allows you to compare its quotes that are underwritten by partners. When you’re done comparing, you can then choose to purchase coverage immediately online. You can also talk with an agent. 

CoverWallet’s general liability insurance and professional liability insurance for tile contractors have a $1 million-$2 million per occurrence and aggregate limit. Note that the general liability policy may have hired/non-owned auto liability coverage and waiver of subrogation as add-ons. 

Best for: Tile contractor insurance online quotes comparison

Average cost: $45 per month

Our rating: 10/10


Tivly Tile Contractor Insurance

Pros

  • Responsive customer service

  • A partner of many reputable insurance companies 

  • Call and compare quotes over the phone 

Cons

  • You have to call to get a quote 

Tivly (formerly CommercialInsurance.NET) covers tile contractors through its contractor insurance package. What you’ll get from this are builders risk insurance, general liability insurance, professional liability insurance, and more. Call Tivly now and compare insurance quotes for tile contractors over the phone. 

Best for: Comparing insurance quotes for tile contractors over the phone

Average cost: $47 per month

Our rating: 10/10


Hiscox Tile Contractor Insurance

Pros

  • Automatic policy renewal

  • Provides coverage even if you’re working abroad

  • Get covered online or talk with an agent

Cons

  • Only sells general liability insurance for tile contractors online

Hiscox’s tile contractor insurance only offers a general liability policy. However, still try this company as it allows you to choose the policy limits and deductibles for general liability insurance. Moreover, you can get optional policies as upgrades. Examples are non-owned/hired auto liability coverage, tools and equipment coverage, and primary and noncontributory coverage. 

Best for: Tile contractor insurance with automatic policy renewal

Average cost: $48 per month

Our rating: 9/10


Thimble Tile Contractor Insurance

Pros

  • On-demand coverage

  • Sells a short-term general liability insurance

  • Quick to issue an estimate of your rates

  • Professional liability insurance available as an add-on to general liability insurance

Cons

  • You can’t reach customer service by calling 

Thimble’s tiling contractor insurance package consists of general liability and workers compensation insurance. Here’s a quick look of their features:

  • General liability insurance-$1 million-$2 million per occurrence and aggregate limit. Can be added with optional professional liability insurance, customer property coverage, and business equipment coverage

  • Business owner’s policy-Offers $1 million-$2 million general liability insurance and $25,000-$500,000 commercial property insurance. Can be added with optional hired/non-owned auto coverage and cyber liability insurance

Aside from these policies, Thimble also sells a short-term general liability insurance that lasts for hours, days, weeks, or months. This has a $1 million-$2 million per occurrence and aggregate limit. You can also get Thimble’s short-term coverage at Hiscox. 

Best for: On-demand tile contractor insurance

Average cost: $50 per month 

Our rating: 9/10


Travelers Tile Contractor Insurance

Pros

  • Many options for add-on coverage and discounts 

  • Lots of bundling options 

  • Strong industry rating 

  • Accident forgiveness coverage for commercial auto insurance 

  • Many discounts available 

Cons

  • Outdated mobile application

Travelers offered its first insurance policy in 1864 but has since grown to be one of the largest insurance providers in the United States. It has since established itself as an industry leader in covering motor vehicles, which makes it the best choice for tile contractors looking for commercial auto insurance.

Travelers offer tile contractors a specialty cover tagged INDUSTRYEdge, which is a broad and tailored coverage specifically for these contractors. This policy covers the following:

  • Terrazzo work

  • Mantel work

  • Marble finishing

  • Mosaic work

  • Ceramic tile installation

This policy includes:

  • General liability

  • Workers' compensation

  • Auto liability and physical damage cover

  • Umbrella


The minimum coverage costs $61 per month or $730 annually.

If you were to purchase a standalone commercial auto insurance policy, you would be charged about $1,428 annually. To reduce the premiums you pay for the commercial auto insurance policy, you can leverage a number of discounts. These include:

  • Multi-policy discount of about 13% if you bundle the commercial auto insurance with another policy

  • Multi-car discount of about 8% if you have two or more commercial vehicles

  • Commercial property ownership discount of about 5%

  • Safe driver discount of between 10% and 24% if you have no accidents, claims, or violations within 3 to years

  • New car discount of up 10% if you purchase a commercial vehicle that's less than three years old

  • Early quote discount of between 3% and 10% if you switch to Travelers


Best for: Commercial auto insurance for tile contractors 

Average cost: $61 per month

Our rating: 9/10


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