Tile Contractor Insurance

business owner protected by tile contractor insurance

Helping Protect Your Business at Every Step

As a tile contractor, precision and durability define your work. But even the most skilled professionals face unexpected risks. From jobsite accidents to property damage or client disputes, unforeseen challenges can disrupt your business. Tiler insurance provides the protection you need to keep your projects running smoothly.
 
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business owner protected by tile contractor insurance

What Is Tile Contractor Insurance?

Tile contractor insurance is a collection of coverages for small business owners who install and repair tile for residential and commercial properties. Also known as tiler insurance, these business insurance options can help protect you from risks like:
 
  • Customer injury
  • Personal injury
  • Property damage
  • Stolen equipment

Why Do You Need Tile Contractor Insurance?

Your work involves more than just laying tiles. You manage valuable tools, expensive materials and access to client properties. Without insurance, you could be left covering costly repairs, medical bills or legal fees out of pocket. As a tile contractor, insurance coverage helps safeguard your business against unexpected expenses.
 
At The Hartford, we designed our business insurance coverage with contractors like you in mind.
small business owner protected by knowing who needs tile contractor insurance

Who Needs Tile Contractor Insurance?

We designed our business insurance coverage for the unique challenges of tile repair and installation specialists. Our coverage can help protect a variety of contractors, including:
 
  • Tile installation businesses
  • Tile repair and restoration companies
  • Bathroom and kitchen remodeling contractors
  • Ceramic, stone and porcelain tile specialists
  •  Tile subcontractors working with general contractors
  • Contractors involved in flooring and surface installation

What Type of Insurance Do I Need as a Tile Contractor?

Many tile contractors have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your tiling business from claims of bodily injury or property damage.
 
A BOP includes:
 
General liability insurance to help protect your business from claims that it caused bodily injury or property damage to someone else.
 
Commercial property insurance to help protect any workspaces you own or rent, as well as tools, equipment, inventory and supplies you use to operate your business. These can include:
 
  • Tile cutting and installation tools
  • Personal protective equipment
  • Consumables like sealants and adhesives
  • Measuring and leveling systems
  • Cement boards, membranes and other materials
Business income insurance to help replace lost income if you can’t operate your tile installation business temporarily due to property damage from fire, theft or wind.
 
At The Hartford, we know no two tile installers have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including:
 
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Help protect your tiling business with coverage designed to support the livelihood you’ve built.
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How Much Does Tile Contractor Insurance Cost? 

Tile contractor insurance costs vary because every business has unique needs. On average, The Hartford’s small business customers in this industry pay:**
 
  • BOP: $1,787 a year, or about $149 a month
  • Stand-alone general liability insurance: $1,348 a year, or about $112 a month
  • Workers’ compensation insurance: $3,237 a year, or about $270 a month
It’s important to remember that the cost of your tiler insurance may be different than the average. That’s because insurers may use several factors to determine rates, like how many employees you have. The best way to find out how much you’ll pay for insurance is to get a quote.
small business owner happy to easily get proof of insurance for tile contractors

Proof of Insurance on Your Time

We know you might often need to show clients proof of insurance. That’s why we make it easy to get your certificate online quickly and easily.

Covering Your Operations

You take pride in your craftsmanship and attention to detail, but setbacks, like stolen materials or accidental property damage, can derail your projects. The right kind of tile contractor insurance can provide important protection and help cover losses from theft, damage or on-site accidents. 
Construction site theft leads to an estimated yearly loss of more than $1 billion in tools and equipment.1
general liability for tile contractors

General Liability Insurance

“We accidentally damaged a client’s expensive custom wood flooring while bringing in large format tile.”
 
General liability helps cover claims that your tile installation business hurt somebody else or damaged their property. It can help cover their medical bills, repair costs or your legal fees if you get sued.
EPLI for tile contractors

Employment Practices Liability Insurance (EPLI)

“One of our tilers filed a discrimination suit against a project manager. The legal fees were much higher than I expected.”
 
Employment practices liability insurance (EPLI) is included in a BOP. It helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. With The Hartford, this insurance can also help cover claims from customers or vendors.

Taking Care of Your Team

From installations to material transport and client interactions, your team is key to keeping your projects on schedule. But physically demanding work brings the risk of injuries. The right insurance coverage helps ensure your employees receive the care they need if an accident happens on the job.
More than 100,000 injury cases in the construction industry resulted in missed workdays.2
general liability for tile contractors

Workers’ Compensation Insurance

“One of our installers slipped a disc while moving heavy tiles. They needed surgery and months off to recover.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto liability insurance for tile contractors

Commercial Auto Insurance

“One of our employees was driving materials to a jobsite when another driver sideswiped him. He was OK, but the van was totaled.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Protecting Your Property

Your tile contracting business depends on specialized tools and equipment to get the job done. But theft, damage or accidents can bring work to a standstill. The right insurance coverage can help cover replacement costs and potential legal expenses, so you can stay focused on your projects.
Plumbing, HVAC systems and other appliances cause 75% of water damage losses.3
commercial property insurance for tile contractors

Commercial Property Insurance

“A water leak damaged our shop, ruining several tools and workbenches.”
 
Commercial property insurance helps protect your owned or rented building, as well as equipment, tools, supplies and inventory you use to operate your tile installation company.
Contractors Equipment Insurance for tile contractors

Contractors Equipment Insurance

“Someone stole several stone slabs from our construction site. We had to order replacements, which put our project over budget.”
 
Contractors equipment insurance is designed to cover damaged or missing contracting equipment. It can also help pay for the removal of debris and cleanup after an accident. This insurance can even help cover losses from theft and can help pay the cost to expedite a project that is late due to a covered loss.

Frequently Asked Questions About Tile Contractor Insurance

Tile contractor insurance is made up of different types of insurance coverages to help protect your business from various risks. These coverages can help cover claims of bodily injury or property damage. For example, if a customer trips over flooring material in your shop and hurts themselves, general liability insurance can help pay their medical bills. You can get other types of insurance to protect the vehicles, equipment and tools you rely on.
Whether you're working in residential homes or commercial spaces, accidents can happen. Tile installer insurance helps pay for property damage, liability claims and legal fees that may come up from accidents, disputes or injuries. Without insurance, you could be left covering these costs out of pocket, which can be financially overwhelming. Additionally, certain types of insurance, such as workers' compensation or commercial auto coverage, may be legally required in your state.
The best way to get tile contractor insurance from The Hartford is to get a quote. In just a few minutes, you can find insurance coverage designed for the needs of your tile installation business.
business owner works after getting tiler insurance quote

Get Solid and Secure Tile Contractor Insurance

Help protect your tools, team and projects so you can focus on laying the foundation for success.
 
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Related Articles

 
 
Last Updated: November 24, 2025
 
1 Construction Dive, “Guarding Your Assets: The Rising Stakes of Construction Site Security
 
2 U.S. Bureau of Labor Statistics, “Numbers of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2022”
 
3 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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