Tile Installation Contractor Business Insurance: Key Coverages to Know
- 2 hours ago
- 2 min read
Tile contractors work with heavy materials, specialised tools, adhesives, and detailed installations that carry real liability exposure. Having the right tile installation contractor business insurance in place protects your projects, employees, equipment, and reputation. Understanding the key coverages ensures you avoid gaps while meeting contract and state requirements.
General liability insurance is the foundation of contractor coverage. It protects against third-party bodily injury, property damage, and legal defence costs. For tile installers, this may include damage to a client’s flooring, accidental water leaks, or slip-and-fall injuries at a job site. Many commercial clients require proof of this coverage before awarding contracts.
If you have employees, workers’ compensation is typically required by law. It covers medical expenses and lost wages for job-related injuries. Tile installation involves lifting heavy materials and operating power tools, making workplace injury protection essential for both compliance and financial stability.
Most tile contractors rely on vans or trucks to transport tools and materials. Commercial auto insurance covers accidents, vehicle damage, and liability claims involving company vehicles. Personal auto policies usually exclude business use, making commercial coverage critical.
Tools and equipment are frequently transported between job sites. Inland marine coverage protects against theft, loss, or damage while equipment is in transit or stored off-site. Without this coverage, replacing stolen tools could create serious financial strain.
If you operate from a warehouse or office, commercial property insurance protects the building and stored materials. Business income coverage helps replace lost revenue if operations are interrupted due to a covered loss like fire or storm damage.
6. Umbrella and Additional Insured Endorsements
Umbrella liability insurance provides extra protection above your base policy limits, which can be valuable for larger commercial projects. Additionally, naming project owners or general contractors as additional insureds is often contractually required.
Secure the Right Tile Installation Contractor Business Insurance
Choosing proper tile installation contractor business insurance ensures your business remains protected against lawsuits, equipment loss, and workplace injuries. Working with a specialised brokerage like Wexford Insurance allows you to compare multiple carriers and tailor coverage to your specific operations.
👉 Request your tile installation contractor business insurance quote from Wexford Insurance today and protect your business with confidence.
