What Kind of Insurance Do I Need for a Tile Installation Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 27
- 2 min read
Running a tile installation business — whether you specialize in tile flooring, shower tile, ceramic, mosaics, or commercial flooring — comes with unique risks. From property damage to workplace injuries, having the right insurance coverage is essential to protect your business, your team, and your reputation.
At Wexford Insurance, we specialize in contractor insurance for tile professionals. In this guide, we’ll break down the essential types of insurance you need to operate safely and confidently.
This is the foundation of your coverage. It protects your business from third-party claims of:
Bodily injury (e.g., a client trips over your tools)
Property damage (e.g., tile adhesive spills on hardwood flooring)
Legal defense and settlements
Most commercial clients and project owners require proof of general liability insurance before hiring you.
If you have employees, this coverage is often legally required. It pays for:
Medical expenses from job-related injuries
Lost wages during recovery
Disability benefits
Tile installation involves heavy lifting, sharp tools, and slippery surfaces — all common causes of workplace injuries.
If you use vehicles to transport materials, tools, or employees, personal auto insurance won’t cover business-related accidents. Commercial auto insurance covers:
Vehicle damage
Medical payments
Liability from accidents
This is especially important if you operate vans or trucks for job site deliveries. Explore options at
Tile contractors rely on specialized tools — wet saws, tile cutters, mixers, and more. Equipment insurance (often part of inland marine coverage) protects against:
Theft
Damage
Loss during transport or on job sites
This coverage is vital for mobile contractors.
If you operate from a physical location — like a warehouse, office, or showroom — this policy covers:
Fire, theft, or vandalism
Damage to inventory and equipment
Business interruption losses
It’s a must-have for contractors with storage or display space.
If a client claims your work caused financial loss — such as improper tile installation leading to water damage — this coverage helps pay for:
Legal defense
Settlements
Redoing the job
It’s especially useful for high-end or commercial projects.
Final Thoughts
Insurance isn’t just a legal requirement — it’s a smart investment in your tile installation business. With the right coverage, you can focus on delivering quality work while knowing your business is protected from unexpected risks.
At Wexford Insurance, we help tile contractors secure tailored coverage for every stage of business. Whether you're just starting or scaling up, we’ve got you covered.
Contact us today.
