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Tile and Stone Contractor Insurance
Tile / Stone / Marble / Mosaic / Terrazzo Installation
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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.
One application, multiple quotes
Insureon helps tile and stone installers compare quotes from top U.S. providers online. Get several quotes with one easy application.
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.
BEST FOR
- 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.
BEST FOR
- 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 work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal defense costs
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.
BEST FOR
- Medical payments from an auto accident
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Contractor’s 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.
BEST FOR
- 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.
BEST FOR
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
Looking for different coverage? See more policies.
How much does insurance cost for installation businesses?
A small business with a few workers will pay less for insurance than a large company.
Factors that affect premiums 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 company 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 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 that fits your tile and stone business, whether you work as a contractor, subcontractor, or hire employees.
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